The Loan Doctor Podcast copertina

The Loan Doctor Podcast

The Loan Doctor Podcast

Di: Richard Brandt
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A proposito di questo titolo

 Welcome to The Loan Doctor Podcast, your prescription for all things mortgage! Join your host, Rich Brandt, The Loan Doctor himself from The Brandt Lending Team, and sometimes featured guest, Giselle Andres, as they demystify the world of home loans, approvals, and the path to becoming a confident homeowner. Each episode breaks down complex financial topics into clear, actionable advice. Whether you're a first-time buyer or looking to refinance, The Loan Doctor and his team share the strategies, tips, and essential knowledge (like the "Four C's of a Mortgage") you need to get approved and turn your dream of homeownership into a reality. Don't just dream it, own it. Subscribe and get your weekly dose of mortgage expertise!© 2026 Richard Brandt Economia Finanza personale
Episodi
  • DTI Explained: How Debt-to-Income Ratio Affects Your Mortgage

    DTI Explained: How Debt-to-Income Ratio Affects Your Mortgage
    Feb 10 2026

    In this episode of the Loan Doctor Podcast, hosts Rich Brandt of the Brandt Lending Team at North Pointe Bank and Giselle Andres dive into the most critical metric in mortgage lending: Debt-to-Income Ratio, or DTI.
    To see the full list of updated conforming loan limits and find out what you qualify for, contact the Brandt Lending Team at (954) 476-8223 or visit thebrandtlendingteam.com.
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    38 min
  • Life Insurance for Homeowners: What to Know When Getting a Mortgage

    Life Insurance for Homeowners: What to Know When Getting a Mortgage
    Feb 10 2026

    In this episode of the Loan Doctor Podcast, host Rich Brandt of the Brandt Lending Team discusses the essential role of insurance in financial planning, especially when purchasing a home.

    Guest: Dwayne Merchant, Certified Financial Planner (CFP) with Northwestern Mutual and over 20 years of experience in the insurance industry.
    https://www.northwesternmutual.com/financial/advisor/duane-merchant/

    To see the full list of updated conforming loan limits and find out what you qualify for, contact the Brandt Lending Team at (954) 476-8223 or visit thebrandtlendingteam.com.
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    53 min
  • Fed Rate Cuts and Higher Conforming Loan Limits: What It Means for Buyers in 2026

    Fed Rate Cuts and Higher Conforming Loan Limits: What It Means for Buyers in 2026
    Jan 30 2026

    The Fed has lowered interest rates and conforming loan limits are increasing for 2026. In this episode of The Loan Doctor Podcast, Richard Brandt breaks down what these two major changes mean for homebuyers, homeowners, and investors.

    We cover how lower rates impact mortgages, credit cards, and consumer loans, why the new $832,750 conforming loan limit matters, and how it compares to jumbo loans. You will learn the real differences between conventional and conforming loans, what lenders look for when approving a mortgage, and how credit, income, down payment, and debt ratios work together as a full financial picture.

    Richard also explains why the lowest rate is not always the best choice, how strategy matters more than shopping numbers, and why starting the mortgage process early can save you thousands. If you are thinking about buying, refinancing, or planning for 2026, this episode will help you make smarter financial decisions.

    To see the full list of updated conforming loan limits and find out what you qualify for, contact the Brandt Lending Team at (954) 476-8223 or visit thebrandtlendingteam.com.
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    37 min
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