2 episodes

Dollars & Dwellings is a captivating and informative podcast that delves deep into the world of real estate, personal finance, and homeownership. Hosted by Regine Etienne, this podcast offers listeners valuable insights and expert advice on all things related to housing and finances.
Our guests are industry experts, real estate professionals, financial advisors, and homeowners who will share their knowledge and experiences. Listeners gain access to insider tips and tricks for navigating the complex world of real estate and personal finance. Topics include:
Homeownership StoriesMarket Trends and AnalysisMoney MattersHome Improvement and RenovationQ&A SessionsPersonal Finance StrategiesCurrent EventsDollars & Dwellings  fosters a sense of community among its listeners. Regularly featuring success stories from people who have achieved their goals, it encourages others to share their journeys and support one another.
Whether you're a first-time homebuyer, a seasoned real estate investor, or simply interested in improving your financial literacy, Dollars & Dwellings is your go-to podcast for valuable insights, practical tips, and inspirational stories to help you navigate the world of real estate and personal finance with confidence. Tune in to achieve your homeownership and financial goals today!The information provided by this site is for general informational purposes only. All information provided is in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information. This site does not take applications and is not approved by New York State.Reliant Home Funding, Inc 445 Broad Hollow Rd, Suite 334 Melville, NY 11747 | 877-937-6787 | N.Y.S. Department of Financial Services | Registered Mortgage Banker: LMB 109705 | Licensed by the NJ Dept of Banking and Insurance | Massachusetts Mortgage Lender ML292473 | Rhode Island Licensed Lender | NMLS: 292473/For licensing information, go to: www.nmlsconsumer access.org
 

Dollars and Dwellings Regine Etienne

    • Business

Dollars & Dwellings is a captivating and informative podcast that delves deep into the world of real estate, personal finance, and homeownership. Hosted by Regine Etienne, this podcast offers listeners valuable insights and expert advice on all things related to housing and finances.
Our guests are industry experts, real estate professionals, financial advisors, and homeowners who will share their knowledge and experiences. Listeners gain access to insider tips and tricks for navigating the complex world of real estate and personal finance. Topics include:
Homeownership StoriesMarket Trends and AnalysisMoney MattersHome Improvement and RenovationQ&A SessionsPersonal Finance StrategiesCurrent EventsDollars & Dwellings  fosters a sense of community among its listeners. Regularly featuring success stories from people who have achieved their goals, it encourages others to share their journeys and support one another.
Whether you're a first-time homebuyer, a seasoned real estate investor, or simply interested in improving your financial literacy, Dollars & Dwellings is your go-to podcast for valuable insights, practical tips, and inspirational stories to help you navigate the world of real estate and personal finance with confidence. Tune in to achieve your homeownership and financial goals today!The information provided by this site is for general informational purposes only. All information provided is in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information. This site does not take applications and is not approved by New York State.Reliant Home Funding, Inc 445 Broad Hollow Rd, Suite 334 Melville, NY 11747 | 877-937-6787 | N.Y.S. Department of Financial Services | Registered Mortgage Banker: LMB 109705 | Licensed by the NJ Dept of Banking and Insurance | Massachusetts Mortgage Lender ML292473 | Rhode Island Licensed Lender | NMLS: 292473/For licensing information, go to: www.nmlsconsumer access.org
 

    Mortgage 101- The Key Elements of a Mortgage Approval

    Mortgage 101- The Key Elements of a Mortgage Approval

    In this episode I go over  the key elements of what is needed to get a pre-approval letter.  This letter is what you need to start shopping for a home. In subsequent episodes, I will go more in depth on explaining each of these key elements.


    The key elements to get a mortgage pre-approval are:
    Credit. Know your credit! Request a free credit report from Annual Credit Report.com to verify what is on your credit and address incorrect or negative information. Income and Income Verification. Down payment. Most lenders require you contribute to the loan in the form of a minimum down payment. This can come from your savings, gifts, grants, down payment assistance, silent loans etc.Debt-to-Income Ratio, this very important number is the percentage of your income that you use to pay debt. It is that number that tells us what mortgage payment you are able to afford along with all the other debts that are reported on your credit. Mortgage type that you qualify for. The most common are FHA, Conventional, VA, USDA but there are other loan type like DSCR, Bank Statement Loans, ect.The Pre-Approval letter, this is the letter you get from a lender, it gives you a clear budget and tells realtors and sellers that you are serious. If you have any questions or suggestions for a podcast please feel free to send me an email at REtienne@rhfny.com or on Whatsapp at 516-253-4865

    • 16 min
    What do you know?

    What do you know?

    In this brief episode to lead to the introduction of Dollars & Dwellings, a conversation with my 17 year daughters gives us an understanding of what our kids know about finance and mortgage as they head into adulthood, and it's seriously lacking. 
    In my work as licensed mortgage loan officer, I have realized that most of our clients are also lacking knowledge and understanding of the process.
    So I am inviting you join me and my guests on every episode from now on to empower you with knowledge and facts about many topics that affects your overall finances.

    Welcome to Dollars and Dwellings.




    If you have any questions or suggestions for a podcast please feel free to send me an email at REtienne@rhfny.com or on Whatsapp at 516-253-4865

    • 4 min

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