Loans Elevated

The Lassig Team at CrossCountry Mortgage
  • 5.0 (5)
  • Investing
  • Updated Weekly

The Loans Elevated Podcast delivers clear, strategic conversations on mortgages, real estate, and homeownership.Hosted by Broch Lassig alongside TJ Heidenreich and Ryan King of The Lassig Team, a top 1% nationally ranked mortgage team, the show explores how housing decisions impact your financial future.Each episode breaks down real-world mortgage strategy, market dynamics, and the role homeownership plays in building wealth, managing debt, and creating long-term optionality.Whether you’re a homeowner, first-time buyer, or real estate professional, Loans Elevated helps you think differently about real estate and use it as a tool, not just a transaction.

  1. 4d ago

    Episode 196: Are Temporary Rate Buydowns a Trap? The Truth About 2-1 Buydowns

    Are temporary rate buydowns actually providing real relief for home buyers, or are they setting people up for failure years down the road?  In this episode of the Loans Elevated Podcast, we take a deep dive into 2-1 temporary buydowns—the go-to sales strategy for home builders and industry professionals trying to move inventory in today's rate environment. We break down how these buydowns work, the critical differences between temporary and permanent buydowns, and why keeping cash for closing costs might actually be a safer move.  Plus, we share our weekly mortgage market update, touch on fluctuating 30-year fixed rates, and react to online chatter surrounding Gen Z, homeownership accessibility, and rent vs. buy math. Send us Fan Mail 🎙 Loans Elevated Podcast Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype. Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage. 🔗 Resources & links: https://lassigteam.com 📲 Follow us on Instagram & Facebook: @loanselevated Hosts: Broch Lassig - Branch Manager | NMLS 340314   TJ Heidenreich - Sales Manager | NMLS 1802412   Ryan King - Loan Officer | NMLS 1870771   Branch NMLS 2048956 Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions may apply. CrossCountry Mortgage, LLC | NMLS 3029   www.nmlsconsumeraccess.org This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

  2. Aug 6

    Episode 195: Fed Holds Rates Again + Is Renting Better Than Buying? (Plus: AI Homeowner Stack)

    The Federal Reserve met again and opted to keep interest rates unchanged, keeping markets in a holding pattern as global tensions and inflation readings unfold. In this episode of Loans Elevated, we dive into what this rate volatility means for your mortgage options, address why buying down interest rates might not make sense right now, and react to Caleb Hammer's viral clip on whether renting beats buying in 2026.  Plus, we reveal the ultimate AI stack every homeowner needs to automate maintenance, audit monthly bills, and track home equity effortlessly.  Clip Credit: Reaction video featured in this episode: "Buying a House Is NO LONGER The American Dream" by Caleb Hammer.  0:00 Intro 0:28 Market Update: Inflation, PCE Data & Interest Rate Volatility 2:17 Are Rate Buydowns Worth the Cost? 5:47 Reaction: Caleb Hammer on Renting vs. Buying 6:35 The Power of Saving 7:31 The American Dream and Real Estate Leverage 8:35 Tax Advantages: Primary Residence Capital Gains 9:12 Is AI Replacing Human Real Estate Agents? 11:50 The Ultimate AI Stack for Homeowners 13:13 Email Hack to Organize Your Home Documents 15:10 Home Maintenance Automation & ChatGPT Hacks 16:02 Annual AI Audits for Insurance & Property Taxes 16:45 Critical Thinking vs. AI Overreliance   Send us Fan Mail 🎙 Loans Elevated Podcast Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype. Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage. 🔗 Resources & links: https://lassigteam.com 📲 Follow us on Instagram & Facebook: @loanselevated Hosts: Broch Lassig - Branch Manager | NMLS 340314   TJ Heidenreich - Sales Manager | NMLS 1802412   Ryan King - Loan Officer | NMLS 1870771   Branch NMLS 2048956 Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions may apply. CrossCountry Mortgage, LLC | NMLS 3029   www.nmlsconsumeraccess.org This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

  3. Jul 30

    Episode 194: Buy the Fear: How Smart Buyers Are Winning in a Dead Housing Market with Jack Andrews

    Is the housing market broken, or are buyers missing the biggest opportunity of the last decade? In this episode of the Loans Elevated Podcast, Broch Lassig sits down with Jack Andrews from Edge Homes (ranked in the top 0.4% of realtors nationwide) for an unvarnished, deep-dive discussion into the real state of real estate.  They break down why housing subsidies are making a massive comeback, the truth behind builder incentives (like 3.99% fixed rates and 9% seller concessions), and why waiting for prices or interest rates to fall might be the costliest mistake you can make.  What You’ll Learn in This Episode: Keynesian Economics in Housing: How local, state, and federal government subsidies are shaping today's real estate market. The "Buy the Fear" Mindset: Why Warren Buffett’s classic rule applies directly to today's housing inventory. How to Beat High Interest Rates: How Edge Homes & top lenders are offering 3.99% rate options and 9% seller concessions right now. Housing Shortage vs. Population Shift: Will aging demographics flood the market, or are we facing a catastrophic long-term shortage? Strategic Buying Tactics: Why lowering expectations on your first property (condos/townhomes) is the fastest path to long-term wealth building. Inside Edge Homes' System: How to get live access to unreleased lots and upcoming inventory before they hit the general market. Send us Fan Mail 🎙 Loans Elevated Podcast Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype. Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage. 🔗 Resources & links: https://lassigteam.com 📲 Follow us on Instagram & Facebook: @loanselevated Hosts: Broch Lassig - Branch Manager | NMLS 340314   TJ Heidenreich - Sales Manager | NMLS 1802412   Ryan King - Loan Officer | NMLS 1870771   Branch NMLS 2048956 Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions may apply. CrossCountry Mortgage, LLC | NMLS 3029   www.nmlsconsumeraccess.org This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

  4. Jul 23

    Episode 193: The 80/20 Rule, Active Triage, and Surviving Market Crashes with Emily Lowry

    In this episode of the Loans Elevated Podcast, we sit down with industry veteran Emily for an open, masterclass-level discussion on navigating high-level ambition, family life, and long-term career survival in real estate.  Emily brings 20+ years of real estate experience to the table—from managing 75 concurrent new construction builds and scaling to principal broker in her 20s, to navigating the devastating 2008 crash overnight and stepping back into leadership.  Whether you’re an agent, broker, loan officer, or business owner struggling with burnout and distraction, this episode delivers tangible frameworks for focus, leadership, and resilience.  💡 Key Takeaways & Discussion Highlights: Active Triage vs. Balance: Why "balance" is a continuous active process rather than a static goal, and how learning to mentally detach from what you can’t control allows full focus on what’s in front of you. The 80/20 Distraction Trap: How professionals confuse learning every new tech tool or chasing vanity metrics with real productivity. Emily breaks down how to identify the actual 20% that drives profits and human connection. The Extreme Contrast Exercise: A 10/10 strategic framework for your business—what 10 things would you invest in if you hit total success, versus what 10 things would you cut if you missed your goals completely? Client Care as Emotional Fiduciaries: Why real estate isn't just transactional—it’s about managing vulnerability, setting clients at ease, and building trust. Vulnerable Leadership & Tough Love: How to create a culture that accepts mistakes as learning tools while maintaining strict team accountability.Send us Fan Mail 🎙 Loans Elevated Podcast Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype. Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage. 🔗 Resources & links: https://lassigteam.com 📲 Follow us on Instagram & Facebook: @loanselevated Hosts: Broch Lassig - Branch Manager | NMLS 340314   TJ Heidenreich - Sales Manager | NMLS 1802412   Ryan King - Loan Officer | NMLS 1870771   Branch NMLS 2048956 Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions may apply. CrossCountry Mortgage, LLC | NMLS 3029   www.nmlsconsumeraccess.org This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

  5. Jul 16

    Episode 192: The Reality of Airbnb Regulations in Utah: What Investors and Neighbors Need to Know

    Salt Lake City just sent shockwaves through the local housing market by passing major new restrictions on short-term rentals (STRs). Effective July 1st, the rules for Airbnb and Vrbo hosts have shifted toward heavier business regulation.  In this episode of the Loans Elevated Podcast, we dive deep into what these changes mean for homeowners, local neighborhoods, and real estate investors. We break down the specific details of the ordinance—including the controversial 200-night annual cap, mandatory parking spaces, and safety inspections.  We also share a cautionary tale of a past client down in St. George who found themselves $200,000 upside down after local restrictions shifted overnight. Plus, we share the exact "foolproof analysis" every sophisticated investor needs to run to protect their portfolio from future city laws.  Send us Fan Mail 🎙 Loans Elevated Podcast Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype. Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage. 🔗 Resources & links: https://lassigteam.com 📲 Follow us on Instagram & Facebook: @loanselevated Hosts: Broch Lassig - Branch Manager | NMLS 340314   TJ Heidenreich - Sales Manager | NMLS 1802412   Ryan King - Loan Officer | NMLS 1870771   Branch NMLS 2048956 Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions may apply. CrossCountry Mortgage, LLC | NMLS 3029   www.nmlsconsumeraccess.org This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

  6. Jul 9

    Episode 191: Is the Traditional "Starter Home" Dead in Utah?

    The standalone single-family home with a big yard and a white picket fence in a prime Wasatch Front neighborhood is officially a thing of the past. Post-COVID, Utah’s housing market entered parabolic, "hockey-stick" growth, shifting core metro areas closer to the reality of major hubs like Denver.  But sitting on the sidelines waiting for a crash is only putting homeownership further out of reach. In Episode 191, we break down why shifting your mindset from a simple transaction to a long-term wealth strategy changes the game completely. If you want to win the game, you have to get on the field and play it.  In this episode, we cover: The New Rules of "Starter Homes": Strategic pathways to enter the market right now, including house hacking, pivoting to townhomes or condos in commercial growth zones (like Saratoga Springs), and shifting to rural outskirts. Creative Financing Case Study: How we restructured a real client's financial picture to comfortably boost their purchasing power from a $2,400 budget to a $3,000 mortgage without adding a single dollar of extra out-of-pocket monthly expense.The Power of ADUs & Mother-in-Law Basements: A massive qualification hack that allows lenders to use projected rental income to help you buy a bigger, more functional home. Multi-Generational Wealth: Pooling family equity to secure highly appreciating assets in top-tier Utah locations.Send us Fan Mail 🎙 Loans Elevated Podcast Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype. Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage. 🔗 Resources & links: https://lassigteam.com 📲 Follow us on Instagram & Facebook: @loanselevated Hosts: Broch Lassig - Branch Manager | NMLS 340314   TJ Heidenreich - Sales Manager | NMLS 1802412   Ryan King - Loan Officer | NMLS 1870771   Branch NMLS 2048956 Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions may apply. CrossCountry Mortgage, LLC | NMLS 3029   www.nmlsconsumeraccess.org This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

  7. Jul 2

    Episode 190: Cash vs. Mortgage | Why Being Debt-Free Can Be an Expensive Mistake

    Should you buy your next property in cash or aggressively pay off your current mortgage early? On this episode of the Loans Elevated podcast, Broch and TJ look past the emotional "debt-free" headlines to break down the hidden risks of tying up all your liquidity in a single asset. Did you know that 40% of US homeowners are completely mortgage-free, and 27% of current buyers are paying in cash? While running away from a 6% or 7% interest rate sounds like an immediate return on paper, doing it at the expense of your liquid reserves can put you in a dangerously volatile financial position. We dive layers deep into the numbers behind strategic debt, opportunity costs, and how to utilize your home financing to maximize your long-term wealth potential. In this episode, we discuss: Consumer Debt vs. Strategic Debt: Why a mortgage is a tool to be optimized, not toxic debt to flee from.The Illiquidity Risk: How dumping all your cash into a home leaves you completely exposed to everyday financial storms or sudden job loss.The Opportunity Cost of Cash: Comparing mortgage rates against historical, low-double-digit S&P 500 portfolio compounding.The Silver Lining of Higher Rates: How higher interest payments translate to massive tax advantages and larger deductions at the end of the year.Who Should Pay Cash? The specific scenarios (and risk tolerances) where oversimplifying your debt load actually makes strategic sense.🔗 Resources & Links Grab Your Free Copy of Our HMP eBook:  https://www.loanselevated.com/holistic-mortgage-planningVisit Our Website: loanselevated.comConnect with The Lassig Team: email: lassigteam@ccm.com | phone: (801) 713-4000Send us Fan Mail 🎙 Loans Elevated Podcast Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype. Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage. 🔗 Resources & links: https://lassigteam.com 📲 Follow us on Instagram & Facebook: @loanselevated Hosts: Broch Lassig - Branch Manager | NMLS 340314   TJ Heidenreich - Sales Manager | NMLS 1802412   Ryan King - Loan Officer | NMLS 1870771   Branch NMLS 2048956 Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions may apply. CrossCountry Mortgage, LLC | NMLS 3029   www.nmlsconsumeraccess.org This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

  8. Jun 25

    Episode 189: The Warsh Era Begins: The Fed Flipped 180° & What it Means for Real Estate

    The playbook has officially been flipped on its head. In this episode of the Loans Elevated podcast, we break down the massive philosophical shift under new Fed Chair Kevin Warsh following his explosive first SEP press conference. From refusing to participate in the dot plot to declaring an end to forward guidance, Warsh is entirely changing how the financial markets operate. We discuss his direct, data-driven approach, his explicit acknowledgment that current policy is restricting the housing market, and the launch of new AI-backed task forces designed to completely modernize Fed analytics.  Closer to home, we dive into the latest Utah real estate data. Despite serious economic headwinds and market volatility, Utah’s median home price has climbed to $525,000. We look at why inventory is up, why houses are selling faster, and how savvy buyers are leveraging historic concessions to secure incredible returns on investment in today's market.  What We Cover in This Episode: The death of forward guidance and why the markets will now guide the Fed. Kevin Warsh’s direct, non-political approach to true Fed independence. Dismantling antiquated data: The rollout of AI and real-time private sector analytics task forces. What the "left of the decimal point" focus means for the 2% inflation target. Utah Market Update: Prices rise 1.9% month-over-month while days on market drop. How an 80% or 62.5% ROI is completely realistic for Utah homeowners right now. Case Study: How a recent client secured 9% in concessions to slash their pricing and closing costs. Send us Fan Mail 🎙 Loans Elevated Podcast Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype. Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage. 🔗 Resources & links: https://lassigteam.com 📲 Follow us on Instagram & Facebook: @loanselevated Hosts: Broch Lassig - Branch Manager | NMLS 340314   TJ Heidenreich - Sales Manager | NMLS 1802412   Ryan King - Loan Officer | NMLS 1870771   Branch NMLS 2048956 Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions may apply. CrossCountry Mortgage, LLC | NMLS 3029   www.nmlsconsumeraccess.org This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

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Ratings & Reviews

5
out of 5
5 Ratings

About

The Loans Elevated Podcast delivers clear, strategic conversations on mortgages, real estate, and homeownership.Hosted by Broch Lassig alongside TJ Heidenreich and Ryan King of The Lassig Team, a top 1% nationally ranked mortgage team, the show explores how housing decisions impact your financial future.Each episode breaks down real-world mortgage strategy, market dynamics, and the role homeownership plays in building wealth, managing debt, and creating long-term optionality.Whether you’re a homeowner, first-time buyer, or real estate professional, Loans Elevated helps you think differently about real estate and use it as a tool, not just a transaction.

Information

  • Creator
    The Lassig Team at CrossCountry Mortgage
  • Years Active
    2023 - 2026
  • Episodes
    198
  • Rating
    Clean
  • Copyright
    © 2026 Loans Elevated
  • Show Website
    Loans Elevated

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