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Mortgage on My Mind

Mortgage on My Mind

Di: Natalie Salins
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 Got mortgage on your mind? Join Natalie Salins, a top 1% mortgage broker and LA powerhouse, as she breaks down home loans—pre-approvals, appraisals, loan products, and more. With 20 years of experience, she makes the process simple, stress-free, and even fun! Whether you're a first-time buyer or seasoned investor, get expert advice, insider tips, and relatable stories to navigate California’s market with confidence. No need to stress—Natalie’s got Mortgage on Her Mind so you don’t have to!Natalie Salins Economia
Episodi
  • Business Financing: What Banks Won't Fund | Eddie DeAngelis

    Business Financing: What Banks Won't Fund | Eddie DeAngelis
    Nov 5 2026
    🚀Why do profitable businesses still get denied by banks? Strong revenue alone doesn't guarantee access to capital.When businesses need funding beyond conventional bank financing, alternative lending can provide options. But which financing solutions make sense, and when should business owners apply?Natalie Salins is the host of Mortgage On My Mind and a top 1% Movement Mortgage loan officer with 20 years of experience helping LA-area buyers navigate home financing. In this episode, Natalie welcomes Eddie DeAngelis, founder and CEO of QualiFi LLC, an Inc. 5000 commercial finance brokerage, to explore the business financing landscape beyond traditional banks.Learn how business lines of credit, SBA loans, and alternative lending can help companies manage cash flow, access capital, and prepare for unexpected financial challenges.🎧 Hosted by: Natalie Salins👤 Guest: Eddie DeAngelis is a serial entrepreneur and the Founder and CEO of QualiFi, LLC, an Inc. 5000 commercial finance brokerage. Over a 30-year career that began selling perfume on Philadelphia street corners, he has built and scaled businesses across retail, manufacturing, and finance. Under his leadership, his commercial finance ventures have facilitated over $1 billion in capital for growing businesses. What You’ll Learn:Why profitable businesses get denied by traditional banks.How credit scores, tax returns, business history, and collateral affect loan approval.How business lines of credit support working capital and cash flow.How lenders use bank statements to evaluate business financing applications.What to know about merchant cash advances, funding costs, and repayment terms.How SBA loans, equipment financing, and accounts receivable financing work.Why businesses should secure financing before a cash flow emergency.Key Questions AnsweredQ: Why do banks reject profitable businesses?A: Banks typically require strong personal credit, profitable tax returns, established business history, and collateral for larger loans.Q: Can businesses qualify using bank statements alone?A: Some lenders offer up to $500,000 based on six months of bank statements and a one-page application, subject to underwriting.Q: How does a business line of credit work?A: It provides access to capital as needed, with repayment based on the amount used. Some options offer 12–24-month terms.Q: What is a merchant cash advance?A: It provides upfront funding in exchange for a predetermined repayment amount, often collected through weekly payments. Costs can be significantly higher than traditional financing.Q: When should a business apply for financing?A: Before money becomes urgent, while cash flow and bank balances are still healthy.⏳ Timestamps:00:00 Intro01:15 From Screen Printing to Business Financing04:53 Why Businesses Need Alternative Lending07:25 Delegation and Business Growth09:43 Systems for Scaling a Business12:54 Building a Self-Running Business16:52 Business Lines of Credit and SBA Loans18:49 Merchant Cash Advances and High-Risk Loans20:38 Bank Statement Requirements22:09 Equipment and Receivables Financing23:26 Why Businesses Should Secure Capital Early26:32 Connect with Eddie DeAngelis 💼 Connect with Eddie DeAngelis:🌐Website → http://www.goqualifi.com/🔗LinkedIn → https://www.linkedin.com/in/-edward-deangelis-ceo-qualifi-llc/📘Facebook → https://www.facebook.com/QualiFi.LLC▶️YouTube → https://www.youtube.com/@goqualifi🎧 Follow Natalie Salins: 🌐Website → https://movement.com/lo/natalie-salins 🔗LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b/?isSelfProfile=false 📷Instagram → https://www.instagram.com/natalie_salins/?hl=en 📘Facebook →: https://www.facebook.com/natalie.salins/ 📌 Enjoyed the Episode? Follow, Rate & Share Mortgage On My Mind! ⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/#MortgageOnMyMind #NatalieSalins #MovementMortgage #LARealEstate #LoanOfficer #MortgageBroker #RealEstatePodcast
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    28 min
  • Buying in a High-Rate Market: Negotiate Smarter | Carmen Micsa

    Buying in a High-Rate Market: Negotiate Smarter | Carmen Micsa
    Oct 29 2026
    🚀High mortgage rates don't always mean you should wait. Could negotiating smarter make buying a home more realistic?Buying a home in a high-rate market comes down to affordability, timing, and negotiation - not interest rates alone. Learn how buyers can explore closing-cost credits and repairs while sellers make listings stand out.🎧 Host: Natalie Salins - a top 1% mortgage broker with 20 years of experience helping LA-area buyers navigate California home financing. As the host of Mortgage On My Mind at Movement Mortgage, Natalie brings practical mortgage education to homebuyers and real estate professionals.👤 Guest: Carmen Micsa is the Founder and Broker/CEO of Dynamic Real Estate, Inc., a 14-time Five Star Award winner with over two decades of Sacramento market expertise. A published author and Guinness World Record-holding marathoner, she holds a BA and MA in English and co-hosts the Seeds of Sunshine podcast with her daughter.What You’ll Learn:Buying vs. renting: Assess whether homeownership fits your current financial situation.High-rate market strategies: Understand how buyer competition can affect negotiating opportunities.Closing-cost credits and repairs: Learn what buyers can request during a transaction.Preparing a home for sale: See how neutral paint and cosmetic improvements helped a $1.1 million listing attract a cash buyer within 10 days of relisting.Tennis and negotiation: Apply quick thinking and adaptability to real estate decisions.Long-term referrals: Build professional relationships that can lead to future business.Real estate leadership: Use feedback, ongoing education, and consistent effort to support team growth.Key Questions AnsweredQ: Should you buy a home when mortgage rates are high?A: Compare the cost of buying with renting and decide whether the current payment is affordable instead of relying on predictions about future rates.Q: How can buyers negotiate in a high-interest-rate market?A: Buyers may be able to request closing-cost credits, repairs, or other concessions depending on the property and seller.Q: How can sellers attract buyers in a selective market?A: Address distracting cosmetic issues and consider neutral finishes that help buyers picture themselves in the home.Q: How can tennis improve real estate negotiation skills?A: Tennis encourages quick decisions, strategic positioning, and anticipating the next move - skills that can help agents respond to changing situations.Q: Why are long-term relationships important in real estate?A: Consistent networking and providing value can create referrals and business opportunities long after the initial connection.⏳ Timestamps:00:00 Introduction to Carmen Micsa01:53 Carmen's Six-Star Marathon Journey03:48 Her Tennis Book & Writing Routine05:18 How Tennis Shapes Real Estate Negotiation07:23 Writing Habits & Daily Discipline08:54 Leadership and Team Coaching11:16 Networking and Long-Term Referrals13:21 Continuous Learning in Real Estate17:13 Buying a Home When Mortgage Rates Are High19:08 Preparing Listings for Today's Buyers20:50 Negotiating Closing Costs and Repairs23:09 Closing Remarks & Carmen's Podcast 💼 Connect with Carmen Micsa:🌐Website → https://dynamicsacramentohomes.com/📘Facebook → https://www.facebook.com/cmicsa📷Instagram → https://www.instagram.com/carmenseedsofsunshine/ 🎧 Follow Natalie Salins: 🌐Website → https://movement.com/lo/natalie-salins 🔗LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b/?isSelfProfile=false 📷Instagram → https://www.instagram.com/natalie_salins/?hl=en 📘Facebook →: https://www.facebook.com/natalie.salins/ 📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/#MortgageOnMyMind #NatalieSalins #MovementMortgage #LARealEstate #CaliforniaMortgage #HomeBuyingTips #FirstTimeHomeBuyer #LoanOfficer #MortgageBroker #RealEstatePodcast
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    24 min
  • 1031 Exchange: How to Exit Rental Properties | Ashley Romiti

    1031 Exchange: How to Exit Rental Properties | Ashley Romiti
    Oct 22 2026

    🚀Can you step away from managing rental properties without giving up real estate investing? A 1031 exchange and passive investment options may offer another path.

    Natalie Salins, host of Mortgage On My Mind and a top 1% Movement Mortgage loan officer with 20 years of experience helping LA-area buyers navigate real estate financing, welcomes Ashley Romiti, President of GCA 1031. Ashley explains how 1031 exchanges, Delaware Statutory Trusts (DSTs), and Real Estate Investment Trusts (REITs) fit into real estate exit strategies.

    For California real estate investors, this conversation explores tax deferral, ownership structures, cash flow, appreciation, liquidity, and the trade-offs of transitioning away from direct property management.

    🎧 Hosted by: Natalie Salins

    👤 Guest: Ashley Romiti - President of GCA 1031, Ashley specializes in 1031 exchanges and Delaware Statutory Trusts (DSTs). With nearly 15 years of industry experience, Ashley helps property owners explore passive ownership and strategic exchange planning.

    What You’ll Learn:

    ✔️ How a 1031 exchange can defer taxes on qualifying investment property exchanges.

    ✔️ How DSTs offer fractional ownership in larger real estate assets with fewer day-to-day management responsibilities.

    ✔️ DST vs. REIT: Differences in ownership, income distributions, liquidity, and exit options.

    ✔️ How return on equity helps investors evaluate rental property cash flow.

    ✔️ How to balance cash flow, appreciation, risk, and liquidity when choosing investments.

    ✔️ Why the 45-day identification deadline matters in a 1031 exchange.

    ✔️ How oil and gas interests may offer an alternative investment route with different risks and income characteristics.

    Key Questions Answered

    Q: What is the difference between a DST and a REIT?

    A: A DST offers fractional ownership in real estate, while a REIT involves investing in a company that owns real estate.

    Q: How long do investors have to identify replacement property in a 1031 exchange?

    A: Generally, investors have 45 days after transferring the relinquished property to identify replacement properties.

    Q: Can a 1031 exchange help rental property owners reduce management responsibilities?

    A: Eligible investors may exchange investment property into a DST to move toward passive ownership and reduce day-to-day management.

    🎧 Take the Next Step

    California real estate investors: listen before deciding how to transition out of active property management and evaluate your next investment strategy.

    ⏳ Timestamps:

    📌 0:00 - Intro

    📌 2:08 - Evaluating a Real Estate Exit

    📌 3:03 - How a 1031 Exchange Works

    📌 4:20 - DST vs. REIT Ownership

    📌 6:17 - DST Income and Holding Periods

    📌 8:05 - REIT Distributions and Transparency

    📌 10:11 - Cash Flow vs. Appreciation

    📌 12:40 - Oil and Gas Investments

    📌 14:40 - Tax Basis and Depreciation

    📌 17:41 - Common 1031 Exchange Mistakes

    📌 18:40 - The 45-Day Deadline

    📌 19:51 - Liquidity and Exit Restrictions

    📌 22:01 - Choosing an Exit Strateg

    💼 Connect with Ashley Romiti:

    🌐Website → https://www.gca1031.com/

    📘Facebook → https://www.facebook.com/profile.php?id=61584955381648

    📷Instagram → https://www.instagram.com/gca1031/

    🔗LinkedIn → https://www.linkedin.com/company/gca1031/home/

    ▶️ Youtube → https://www.youtube.com/@GCA1031

    🎧 Follow Natalie Salins:

    🌐Website → https://movement.com/lo/natalie-salins

    🔗LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b/?isSelfProfile=false

    📷Instagram → https://www.instagram.com/natalie_salins/?hl=en

    📘Facebook →: https://www.facebook.com/natalie.salins/

    📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

    ⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

    #MortgageOnMyMind #NatalieSalins #MovementMortgage #LARealEstate #CaliforniaMortgage #HomeBuyingTips #FirstTimeHomeBuyer #LoanOfficer #MortgageBroker #RealEstatePodcast
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    23 min
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