RAM Real Estate and Mortgage

Craig Steel
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  • Investing

Real Estate and Mortgage, "Beyond the Bank". Mortgage and Real Estate education for consumers. Education for all, Knowledge is power and when it comes to power, knowledge in Real Estate or mortgage products, how they work, and what options are available.

Episodes

  1. Apr 14

    Utah's Home Finder

    The conversation covers a range of topics related to the real estate market, including the challenges faced by buyers and sellers, the impact of low interest rates, the importance of due diligence in home purchases, market conditions, and the trend of townhomes and condos vs. single-family detached homes. It also emphasizes the significance of financial qualification as the most important step in the home purchase process. The conversation explores the concept of the perfect home and how it is a myth. It delves into the emotional attachment people have to finding the ideal home and the unrealistic expectations that can result from this attachment. Takeaways Buyer's MarketSeller's Market Perfect home is a mythEmotional attachment to a home can lead to unrealistic expectations Chapters 00:00 Introduction and Expert Introduction05:08 Challenges Faced by Home Buyers Due to Low Interest Rates10:56 Market Conditions for Buyers and Sellers18:18 Trends in Townhomes and Condos vs. Single Family Detached Homes24:33 The Myth of the Perfect Home

    50 min

  2. Mar 3

    Buy the house, get 13k.

    Craig and Shain discuss the FHA solar program when purchasing or refinancing a house and the benefits of getting the 13k earned income payable at closing when you take advantage of the program. Affordable housing Advocates put together a great program to help client minimize their monthly outgo and help teach savings.

    22 min

  3. Feb 25

    Wholesaling Real Estate

    The conversation covers an introduction to real estate and mortgage, Phyllis Rodriguez's background and experience, her real estate investing journey, and a detailed exploration of wholesaling in real estate. The discussion provides insights into creative real estate investing and the process of wholesaling, offering valuable knowledge for both professionals and individuals interested in real estate. The conversation delves into the importance of disclosure and compliance in real estate wholesaling, emphasizing the need for due diligence and clear documentation to ensure legal and ethical practices. Takeaways Creative Real Estate InvestingWholesaling in Real Estate Disclosure is crucialCompliance and due diligence are essential Chapters 00:00 The Process of Wholesaling and Finding Buyers22:56 Real Estate Wholesaling and Disclosure

    47 min

  4. Feb 24

    Appraisals, why and what.

    Get to know the ins and outs of appraisals in the real estate and mortgage transaction. 32 yr expert in appraisals including what adds value and what doesnt.

    44 min

  5. Feb 4

    Why Title Insurance is important

    Two seasoned veteran real estate professionals talk about the reason title insurance exists and why its a good Idea to have it on any real estate transaction. Deep dive

    33 min

  6. Jan 8

    Navigating the Mortgage Maze: Insights from Industry Experts

    In this conversation, Craig Steel hosts Bryce Long and Steve Wilkinson of Veritas Funding to discuss the intricacies of the mortgage industry, focusing on direct lending, capital markets, and the factors influencing mortgage rates. They explore the current landscape of mortgage rates, affordability challenges for homebuyers, and the potential resurgence of adjustable-rate mortgages. The discussion also touches on the economic events that impact the housing market and offers advice for first-time homebuyers.

    42 min

  7. Jan 8

    So you want to buy a Home in UT

    Sarah Parris with EXP realty and RAM real Estate and Mortgage talk about the general market and our favorite clients which is first time home buyers. We even talk about a joint client that got into their first home with literally no money and walked away with a check.

    24 min

  8. Jan 6

    When to upgrade your home!

    When you've outgrown your current home or just want a new one, Edge homes has some great deals.

    4 min

  9. 12/30/2025

    Courageous Investing.

    Investing in what you are passionate about. True life sotry about investing out of your area and some of the pitfalls. Follow your passion but educate yourself.

    34 min

  10. Season 1, Episode 3 Trailer

    FHA 3.5% down

    The conversation covers the different down payment options for FHA, VA, USDA, and conventional loans, as well as income restrictions for certain loan programs. Takeaways FHA loan allows for a 3.5% down paymentVA and USDA loans require no down paymentConventional loans have different down payment options, including 5% and 3%Income restrictions may apply to the 3% down program through Fannie or Freddie Chapters 00:00 Exploring Conventional Loan Programs

    1 min

  11. 12/23/2025

    9% Seller concessions New Homes

    The conversation covers a range of topics including Riley's health, builder incentives, real estate market trends, Edge Homes and community offerings, Tesla and real estate investment, realtor representation, and market predictions for 2026. Takeaways Real estate market trendsBuilder incentives Chapters 00:00 Introduction and Personal Update06:36 Edge Homes and Community Offerings11:51 Tesla and Real Estate Investment19:58 Realtor Representation and Market Predictions

    24 min

  12. 12/22/2025

    Shoes for Soldiers

    Now might be the right time to buy a house, as sellers are willing to help with closing costs or even temporary buydowns on your interest rate. Join me with Shain Davis from the Davis realty team in Phoenix Arizona, as we discuss home buying and giving back to the community through a Veterans program.

    4 min

Trailer

About

Real Estate and Mortgage, "Beyond the Bank". Mortgage and Real Estate education for consumers. Education for all, Knowledge is power and when it comes to power, knowledge in Real Estate or mortgage products, how they work, and what options are available.

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