"I Heard That" (Podcast) with Coach Clarence

Coach Clarence
  • 4.6 (15)
  • HEALTH & FITNESS
  • UPDATED DAILY

Facts, Humor, and Fitness: And Honest Dialogue" with Coach Clarence  If you're over 40 and ready to level up your health, wealth, and mindset, you're in the right place. I'm Coach Clarence—Certified Mortgage Advisor, Personal Fitness Coach, and someone who's walked the walk. This podcast is for you—the high-performer, the career-pivoting parent, the go-getter who knows there’s more life (and success) after 40. Every week, I bring you real talk, real strategies, and real stories from industry insiders in fitness, finances, and mindset coaching. We’ll dig into everything from:  Mortgage strategies and credit repair tips Staying fit over 40 and fighting inflammation Career pivots, personal growth, and building financial freedom Honest, no-fluff conversations to keep you motivatedWhether you're chasing better health, making smarter money moves, or just want to feel good and crush your goals, this show gives you the tools to thrive. No gimmicks. No fluff. Just straight-up facts, humor, and game-changing advice to help you dominate your 40s and beyond.

  1. MAR 1

    How High Earners Get Declined , And How Non-QM Fixes It

    Are you being told that you need a 20% down payment, a credit score of 700 or higher, and perfect timing to buy a home? That belief is keeping thousands of qualified buyers stuck on the sidelines. In this episode of The I Heard That Podcast, Coach Clarence breaks down the biggest mortgage myths dominating today’s market — from down payment misconceptions to credit score confusion to the belief that high interest rates mean you should wait. The problem isn’t that people can’t qualify. The problem is they’re getting their information from the wrong sources. Clarence explains how Non-QM loans, bank statement programs, and down payment assistance are helping self-employed buyers, first-time homebuyers, and everyday earners purchase homes without 20% down or flawless credit. You’ll learn: Whether you really need 20% down to buy a houseWhat credit score do you actually need to qualify for a mortgageWhy high interest rates don’t automatically mean it’s a bad time to buyHow alternative lending solutions are changing the gameThis episode also shares the story behind the podcast’s name and the personal meaning of “I Heard That,” honoring Clarence’s late business partner while continuing the mission of educating and empowering buyers. If you’re serious about homeownership, wealth building, and making informed financial decisions, this episode is for you. If you found value in this conversation, subscribe, leave a 5-star review, and share this episode with someone who needs to hear it. Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

    7 min

  2. 11/07/2025

    From a 700 FICO to 550 Overnight? Here’s How You Reverse It

    Over 2 million borrowers just lost 100+ credit points, and most never saw it coming. If your score slid from a 700 to a 550 overnight, this episode is your playbook to reverse it. Inside, we unpack exactly how post-October 2024 reporting torpedoed scores—retroactive lates, skipped notices, duplicate tradelines, and how those same violations can be used to dispute and delete the damage. What you’ll learn: The reporting rules federal vs. private servicers keep breaking—and how to prove itThe step-by-step dispute stack: bureaus, servicer validation, CFPB complaintWhen consolidation resets the board (and when it doesn’t)How to escalate for fast corrections and permanent removalsWho it’s for: borrowers, first-time homebuyers, agents, and LOs advising clients—anyone who needs credit points back now. Make sure you share this episode with anyone who needs it Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

    8 min

  3. 08/21/2025

    The “Trusted Advisor” Test: Does Your Insurance Agent Pass?

    JR—Arizona’s go-to home insurance specialist—breaks down how your policy can speed or stall a mortgage, refi, or HELOC. He shows what lenders verify (coverage limits, deductibles, replacement cost vs. ACV, effective dates, the mortgagee clause) and the gaps that jam closings—missing binders, wrong clauses, roof exclusions, HOA “walls-in” misunderstandings. Then he walks through the simple fixes he used on my policy to tighten coverage and cut costs: aligning limits with the appraisal, cleaning up endorsements, and timing the policy with closing so escrow stays smooth. Insurance built around your financing—not the other way around. An advisor beats a policy pusher every time.  Join us for a conversation about one of Arizona's leading advisors, how his passion, love for God guides his business model. You can find out more about JR here: https://comparioninsurance.onemob.com/p/jrtheadvisor Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

    38 min

  4. 07/20/2025

    Crypto to Keys: How Bitcoin Can Now Buy You a House

    Crypto Meets Real Estate?! You can now buy a home using your Bitcoin, without selling it. No, this isn’t hype.  Starting mid-2025, a new rule from the Federal Housing Agency allows Bitcoin stored on U.S.-regulated exchanges to be used as mortgage collateral. ✅ Keep your crypto  ✅ Avoid capital gains  ✅ Skip the credit check (in some cases) I break it all down in the latest episode of Coach’s Corner—from how the process works to who qualifies and why this could change the game for smart buyers and investors. Would you use your crypto to buy a home? Drop your thoughts in the comments ⬇️ Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

    7 min

  5. 06/26/2025

    What you Dont about Real Estate is Costing You

    You’ve been lied to. No, you don’t need perfect credit. No, you don’t need 20% down. And no, you don’t need a six-figure salary to become a homeowner. In this straight-shooting episode, Coach Clarence busts the biggest myths that have been holding people back from buying a home. Whether you’re living paycheck to paycheck or just unsure where to start, this one’s for you. ✅ Learn the truth about what it takes to get qualified  ✅ Discover loan options you probably didn’t know existed  ✅ Walk away with 3 powerful, actionable steps that could have you holding the keys to your new home in just 30–45 days Renting is not the only option.  ✅ Ownership is possible—sooner than you think. Subscribe now for weekly no-fluff tips that make homeownership real and reachable. Download my first-time Homebuyer guide here: https://drive.google.com/file/d/1XSAShPVyS5WsVQk9Zr7Mz4PaR8Gw0mkU/view?usp=drive_link Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

    12 min

  6. 06/12/2025

    How David Griffiths Turned Passion into Profit in the Digital World

    Let’s be real… Most people are drowning in content but starving for impact. In this episode of Coach’s Corner, we get raw with David Griffiths—gospel artist, former youth pastor, and ex-middle school teacher turned digital disruptor. If you think passion is enough to win online, think again. David breaks down how most creators are doing it wrong and why authenticity without strategy is a waste of time in the age of AI and algorithm overload.  Discover: Why your “safe” content isn’t connectingThe brutal truth about attention in 2025How David turned low engagement into real influenceThe mindset shift creators must make to stay relevantIf you’re tired of watching mediocre content blow up while your meaningful posts get ignored, this episode is your wake-up call. Hit play and learn how to stop posting and start dominating. https://quickwinschallenge.com/ Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

    37 min

  7. 06/06/2025

    Resilient by Design: How this Single Mom Built a Life of Power, Purpose, and Profit

    She’s a powerhouse mom, a top-performing realtor, and a no-BS life coach — and she’s not holding back. In this episode of Coach’s Corner, Shelly Lawhorn gets real about what it’s like juggling real estate, single motherhood, and personal growth in a world full of distractions and double standards. We talk about:  * The truth behind modern dating & the “narcissist” buzzword  * Why real estate is still a smart move (even with today’s rates)  * Building a mindset business from personal mess to message  * Accountability, boundaries, and raising boys with backbone This one’s raw, real, and full of fire — especially if you're navigating business, motherhood, and dating with your head held high. Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

    49 min

  8. 05/29/2025

    Brandon Cullen’s Blueprint: Building a National Fitness Brand for High Performance

    In this powerhouse episode of Coach’s Corner, we sit down with Brandon Cullen, CEO and co-founder of MADabolic. From pro hockey roots to building a national boutique fitness brand, Brandon shares how he went from the rink to the boardroom. We unpack: ●     Why movement trumps macros.     ●     How Metabolic attracts high-achievers and keeps it exclusive by design.   ●     The challenge of scaling without sacrificing culture.     ●     His refreshing take on leadership, fatherhood, and creating routines that last.     ●     Why the fitness industry is noisy—and what you need to focus on to stay consistent.     Whether you're a coach, entrepreneur, or simply someone who wants to move better and lead stronger, this one’s packed with value. Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

    39 min
See All (242)

4.6
out of 5
15 Ratings

About

Facts, Humor, and Fitness: And Honest Dialogue" with Coach Clarence  If you're over 40 and ready to level up your health, wealth, and mindset, you're in the right place. I'm Coach Clarence—Certified Mortgage Advisor, Personal Fitness Coach, and someone who's walked the walk. This podcast is for you—the high-performer, the career-pivoting parent, the go-getter who knows there’s more life (and success) after 40. Every week, I bring you real talk, real strategies, and real stories from industry insiders in fitness, finances, and mindset coaching. We’ll dig into everything from:  Mortgage strategies and credit repair tips Staying fit over 40 and fighting inflammation Career pivots, personal growth, and building financial freedom Honest, no-fluff conversations to keep you motivatedWhether you're chasing better health, making smarter money moves, or just want to feel good and crush your goals, this show gives you the tools to thrive. No gimmicks. No fluff. Just straight-up facts, humor, and game-changing advice to help you dominate your 40s and beyond.

Information