Mortgage Queen Academy - All Things Home Loans, Credit, and Real Estate

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All Things Home Loans, Credit & Real Estate breaks down the parts of homeownership no one ever explains, without the fluff or confusing jargon. Hosted by an experienced mortgage professional, Deborah Criddle also known as the Mortgage Queen, this podcast dives into home loans, credit strategy, real estate trends, and the financial decisions that shape your future. Whether you’re a first-time buyer, seasoned homeowner, real estate agent, or just trying to make smarter money moves, each episode delivers clear insights, real-world examples, and practical advice you can actually use. If you want to understand the “why” behind the numbers and feel confident navigating the path to homeownership and wealth, this is the show for you. 

  1. 1D AGO

    Credit Reports In The Real World

    In this episode, Deborah “The Mortgage Queen” breaks down one of the biggest misconceptions in home buying, credit scores. She explains why the scores you see on apps like Credit Karma or your credit card don’t match what mortgage lenders use, and how different credit models can create major score differences. You’ll learn the key differences between soft pulls and hard inquiries, how lenders actually evaluate your credit, and why monitoring tools are helpful, but not definitive. She also shares insider strategies on improving your score quickly (especially with credit cards), common mistakes to avoid, and what upcoming changes like VantageScore 4.0 could mean for borrowers. If you're planning to buy a home, this episode will help you understand how to properly manage and prepare your credit. 00:00 – Welcome & Episode Overview 00:10 – Why Credit Scores Are Misunderstood 00:42 – Different Credit Models Explained 01:27 – Why Your Score Doesn’t Match the Lender’s 02:02 – How Lenders Use Credit Reports 03:03 – Hard Pull vs Soft Pull (Key Differences) 03:52 – What Credit Monitoring Apps Actually Show 05:05 – VantageScore 4.0 & Future Changes 06:43 – Common Credit Score Mistakes Buyers Make 10:40 – Fastest Way to Improve Your Credit Score 14:03 – Final Advice for Homebuyers Regal Mortgage Team regalmtg.com/our-team  Facebook facebook.com/mtgqueendeborahcriddle  Instagram instagram.com/regal.mortgage  TikTok tiktok.com/@regal.mortgage?_t=ZT-8y8bJd5uKnP&_r=1

    16 min

  2. 3D AGO

    The Truth Behind Interest Rates

    This epsiode breaks down the common misconception that Federal Reserve rate cuts directly lower mortgage rates. In reality, mortgage rates are driven by long-term factors like mortgage-backed securities and the 10-year Treasury yield, not the Fed’s short-term rate decisions. Deb explains how inflation, economic data (like CPI, PCE, jobs, and retail sales), and investor behavior ultimately dictate where mortgage rates go. While Fed cuts can signal economic shifts, markets often price in those expectations ahead of time, which is why rates don’t drop the way people expect. The key takeaway: today’s “normal” mortgage range is likely in the mid-5% to mid-6% range, and waiting for dramatically lower rates may cost buyers more in rising home prices and lost time, making it smarter to buy when financially ready and refinance later if rates improve.

    23 min

  3. MAR 19

    First Payments And Servicing Transfers

    Learn everything you need to know about your first mortgage payment, avoiding late fees, paying ahead, managing escrow accounts, and understanding servicing transfers. Get practical tips to stay on top of your mortgage and protect your credit.

    16 min

  4. MAR 17

    Your Money And Where It Goes

    This episode breaks down the financial side of buying a home, focusing on earnest money, escrow accounts, and how funds move during a real estate transaction. Listeners will learn what counts as valid funds, how title companies handle money, and what protections exist to avoid losing earnest money. Practical tips are included for preparing money for closing and understanding credits, debits, and the role of escrow in both closing and ongoing mortgage payments.

    17 min

  5. MAR 10

    Basic Refinance 101

    In this Refinancing 101 breakdown, Deb “The Mortgage Queen” walks through when refinancing makes sense, and when it absolutely doesn’t. From divorce and life changes to cash-out refinances, HELOC pitfalls, interest calculations, and break-even math, this video explains how to think strategically about refinancing so you don’t hurt your long-term financial future. If you’re considering a refinance, this is required viewing.

    23 min

  6. MAR 3

    FHA Flipping Rule

    The FHA flipping rule is one of the most misunderstood aspects of real estate investing. In this guide, Deb explains how FHA loans affect house flips, including the mandatory 90-day waiting period, dual appraisal requirements, and tips for real estate agents and property investors to navigate FHA restrictions. Learn how to avoid costly mistakes, understand seller obligations, and plan successful flips while catering to FHA buyers.

    15 min

  7. FEB 24

    Down Payment Assistance - Get into a home with only $500

    In this podcast, Deborah breaks down down payment assistance options with a deep dive into the Idaho Housing program and how buyers can get into a home with as little as $500 out of pocket. She covers income limits, how the assistance loan works, stacking options with FHA, Conventional, VA, and USDA loans, and why this program can be a game changer for first-time and low-cash buyers. If saving for a down payment has been holding you back, this is a must-watch.

    8 min

  8. FEB 20

    Manufactured and Modular Home Loans

    Manufactured homes and modular homes are often misunderstood, but they can be one of the smartest affordable housing options available today. In this podcast, Deborah breaks down the key differences between manufactured vs modular homes, how they’re built, how they’re appraised, and what financing options are available. She covers common myths about safety, value, and financing, explains HUD vs IRC building codes, and shows why these homes can be faster, more affordable, and more flexible than traditional stick-built houses. If you’re considering buying land, building a home, or looking for creative ways to enter the housing market, this episode is a must-listen.

    18 min
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About

All Things Home Loans, Credit & Real Estate breaks down the parts of homeownership no one ever explains, without the fluff or confusing jargon. Hosted by an experienced mortgage professional, Deborah Criddle also known as the Mortgage Queen, this podcast dives into home loans, credit strategy, real estate trends, and the financial decisions that shape your future. Whether you’re a first-time buyer, seasoned homeowner, real estate agent, or just trying to make smarter money moves, each episode delivers clear insights, real-world examples, and practical advice you can actually use. If you want to understand the “why” behind the numbers and feel confident navigating the path to homeownership and wealth, this is the show for you. 

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