Episodes

Chas Schaffernoth from Century 21 Sheetz joins us today to tell us all about him To Contact Chas Schaffernoth call or a text at 317-975-1523 Email-- chas@c21scheetz.com Contact Hard Working Mortgage Guys Rick Ripma Call or Text 317-218-9800 Email--rripma@advisorsmortgage.com Ian Arnold Call or Text 317-660-8788 Email--iarnold@advisorsmortgage.com Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate...

Bryan Arnold from Keller Williams joins us today to tell us all about him To Contact Bryan Arnold call or a text at 219-776-0622 Email-- bryan@listingindy.com Contact Hard Working Mortgage Guys Rick Ripma Call or Text 317-218-9800 Email--rripma@advisorsmortgage.com Ian Arnold Call or Text 317-660-8788 Email--iarnold@advisorsmortgage.com Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussio...

Jeremy Page from Carpenter Realtors joins us today to tell us all about him To Contact Jeremy Page call or a text at 317-413-5311 Email-- jpage@callcarpenter.com Contact Hard Working Mortgage Guys Rick Ripma Call or Text 317-218-9800 Email--rripma@advisorsmortgage.com Ian Arnold Call or Text 317-660-8788 Email--iarnold@advisorsmortgage.com Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discus...

It's Halloween. So today we're going to talk about home buyer horror stories. All this and more on Indy's Real Estate Gurus. Today Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussions, tips, and expert advice. Don’t forget to subscribe to stay updated on the latest episodes! Follow Us on Social Media: Facebook: Indy's Real Estate Gurus Twitter: @IndysREgurus Instagram: @indysrealestateguru...

What are the four biggest long term benefits of homeownership? Stay tuned. We'll talk about that and more today on Indy's Real Estate Gurus Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussions, tips, and expert advice. Don’t forget to subscribe to stay updated on the latest episodes! Follow Us on Social Media: Facebook: Indy's Real Estate Gurus Twitter: @IndysREgurus Instagram: @indysreale...

The top six reasons homeowners sell their homes and why this is important to know if you are a homebuyer All this and more on Indy's Real Estate Gurus. Today. Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussions, tips, and expert advice. Don’t forget to subscribe to stay updated on the latest episodes! Follow Us on Social Media: Facebook: Indy's Real Estate Gurus Twitter: @IndysREgurus Ins...

How to Pick the best mortgage the best mortgage company and the best loan officer. All this and more. Today on Indy's Real Estate Gurus. Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussions, tips, and expert advice. Don’t forget to subscribe to stay updated on the latest episodes! Follow Us on Social Media: Facebook: Indy's Real Estate Gurus Twitter: @IndysREgurus Instagram: @indysrealesta...

The seven most important to dues to your home before winter sets in all this and more today on Indys Real Estate Gurus. Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussions, tips, and expert advice. Don’t forget to subscribe to stay updated on the latest episodes! Follow Us on Social Media: Facebook: Indy's Real Estate Gurus Twitter: @IndysREgurus Instagram: @indysrealestategurus Contact U...

Should you increase your homeowner's insurance? When do you need flood insurance even if you're not in the 100 years flood zone, all this and more on Indys Real Estate Gurus. Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussions, tips, and expert advice. Don’t forget to subscribe to stay updated on the latest episodes! Follow Us on Social Media: Facebook: Indy's Real Estate Gurus Twitter: @...

What does the rest of 2022 look like? Well, it's time to look ahead. Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussions, tips, and expert advice. Don’t forget to subscribe to stay updated on the latest episodes! Follow Us on Social Media: Facebook: Indy's Real Estate Gurus Twitter: @IndysREgurus Instagram: @indysrealestategurus Contact Us: Have questions or want to get in touch? Email us...

Today we are going over the top 5 things we see people do that can really effect get a home. Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussions, tips, and expert advice. Don’t forget to subscribe to stay updated on the latest episodes! Follow Us on Social Media: Facebook: Indy's Real Estate Gurus Twitter: @IndysREgurus Instagram: @indysrealestategurus Contact Us: Have questions or want t...

We know it's hard to buy a car in today's market. And for our Labor Day Special, we're going to talk about how to go about buying a car in today's market. Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussions, tips, and expert advice. Don’t forget to subscribe to stay updated on the latest episodes! Follow Us on Social Media: Facebook: Indy's Real Estate Gurus Twitter: @IndysREgurus Instagr...

What can you negotiate when buying a home? Find out all the whats, some might surprise you. Connect with Us: For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussions, tips, and expert advice. Don’t forget to subscribe to stay updated on the latest episodes! Follow Us on Social Media: Facebook: Indy's Real Estate Gurus Twitter: @IndysREgurus Instagram: @indysrealestategurus Contact Us: Have questions or want to...

Let's jump into the MIBOR. And since we have Jeremy Page here, he's going to what they call educate Rick and me. So when we look at it, I mean, we did see a decrease and medium home sales price from June to July, is that a normal thing, or I wouldn't say it's normal. And but I will tell you, as I mentioned before, the market is softening a little bit. We're still getting multiple offers on a lot of houses, I would venture to say most houses. But the days on markets trending up just a little bit...

Let's just say it on an average customer, so not any weird stuff or anything like that. What is fully in a mortgage payment when I looked at my little statement? Your principal payment, okay, that is that's what you're paying that's going to pay down your mortgage. Your interest, the interest is kind of the cost of the loan. That's what you're paying every month to have that mortgage. And that is mostly known as P&I. Yes, P&I is principal and interest and then you have your escrows, which are...

Who does the title company protect? And how do they protect them? Well, there's two different types of policies. When it comes to title insurance. There is an owners policy, and then there's a lenders policy, when you're doing a purchase, you have an option to purchase Owners Policy, and that protects the buyer of the new home, up to the purchase price of the home. If something were to happen in defect of the title, and the lender protects the lenders policy protects the lender or the mortgage ...

We're talking about credit and the elephant in the room. So when we're when somebody's looking at getting approved for a home, how much let's start there. How much does credit matter? Credit matters? Quite a bit. Okay? It, it matters in a variety of ways. Number one, can you be approved? Number two, what's your rate going to be? What's the interest rate going to be how much you're going to have to put down. So it makes a huge difference on what you're going to be whether you're going to be able...

What's happening in our economy, find out what the experts have to say we're going to talk about that. And first, we're going to start with our numbers. Yes, I think this is important. And it's actually, man, it's an interesting time right now, the jobless claims. You know, one of the things that people don't understand, especially the media doesn't understand is what all these economic numbers actually mean. I've heard it said I think it was the governor of New York or somebody I can't remembe...

Mostly you hear about all the appreciation in a home. So there is basically one type of appreciation because it's in price at home. But there are two types of people. So if you Let's go with if you already have a home, Rick, and what does appreciation mean to somebody who already has a home? Well, appreciation is how you build what we call equity. Right. And it's also how you build wealth when you hear people say, and I'm not, I'm not saying this is 100% true, or it's not the only way to build ...

But now, let's go into, I found this nice house, open that kitchen. It looks like my grandparent’s kitchen. And the bathrooms need to be redone what can people do? Well, you know, there are products, there are financing products that make this work. Let's I'm going to quickly go back to one that's already been fixed up. If it's already been fixed up, you do normal financing. Right? If you do conventional FHA one of the things you have to watch out though, is if you find somebody who's flipping ...

Okay, so as we were talking about the VA loans and everything like that, so I do use to see a lot of commercials, you do see me? And let's just say it's not even VA loans. But what type of this? What deceptive practices do you have seen I've seen a few online? And even when I first got into the business, you and I talked about one and I won't get into it. I won't say the name of the company. But I saw them advertised. And they were like a percent. One and a half percent lower on interest rate th...

My son tries but doesn't really my daughter just laughs and runs off? But? So we get these questions quite a bit. So I tried to put five of the critical questions that we get asked about if somebody already owns a home. What if they're thinking about possibly moving on to get an upgrading or even downsizing? What should they be looking at? So, Rick, I'll start with that. So the first thing is, is where to start the process. And as I tell people, it always starts with you just talking to us, bec...

I love the way you talked about how to set this up and what we could do to help people under you know, really get with their kids, we see this all the time, we tend to see it well, you might because you have kids that he might see it with your friends. I tend to see it with my customers. And it's usually they're helping their kids purchase a home. Well, I forgot the intro. Well, you are getting up there in age, I am. And I'm Rick Ripma, your Hard Working Mortgage Guy, and I'm Ian Arnold, Advisor...

Yeah, it's, it's tough. I mean, I've had times in my life, I had more debt than other times. And when you have more debt, you have more stress. And you have, you know, a lot of times that stress rolls over into a lot of other parts of your life, it may be financial stress, but it may affect your marriage, it may affect your kids, it may affect your job, if you can eliminate that it can really be life changing. So one of the things that has added a lot of people's stress to their life, as we've ...