THE AMERICAN DREAM HOMEOWNERSHIP It is my responsibility and obligatio n, to help break the mold, to reveal how we got here. The twists, turns, and the good and the bad. Getting lost was an essential part of the journey. When people are armed with the right information you too can create generational wealth. I am 100% committed to your journey of obtaining homeownership. Whether you area buyer, seller, and/or an investor,. I have reputation as a high driven, solution driven, negotiation skil ...
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Everyone has the right to own a home, and I’m Suzi Beaver, your energetic guide with over 30 years in the mortgage industry! Join me on BRICK by BRICK: Building Homeownership as we empower young Americans in their 20s and 30s to achieve their first homeownership dreams. From my experience as a processor, loan officer, realtor, and branch manager at Castle & Cooke Mortgage’s Piedmont location in Marshville, NC, not only will I show you the whole process from start to finish, I’ll share practi ...
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Two industry experts walk you through everything to do with becoming and being a homeowner.
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Welcome to Decoding Homeownership Podcast with PJ Hollon, the podcast that simplifies the world of homeownership. Whether you're a first-time buyer or a real estate pro, join me as we explore the ins and outs of making a house a home. We'll dive into market trends, financial tips, property search strategies, and more. Tune in every week for expert insights and inspiring homeowner stories. Decoding Homeownership is your trusted companion on the path to making your house a true home. Subscribe ...
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Since the dawn of civilization, the Mertens name has stood for quality for the American homeowner. Offering sage advice in all facets of homeownership, from buying and selling homes, to financing and remodeling, and everything in-between. If you're considering homeownership, you'd better have your Mertens! It's The Mertens Guide to Homeownership!
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7 Steps to Buying Your First Home: Navigating the Real Estate Transaction Process
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4:13Today Suzi breaks down the entire real estate transaction from the BUYER'S perspective into SEVEN SIMPLE STEPS in less than FIVE MINUTES! Blessings! Suz CHECK OUT THESE FREE RESOURCES! Ready to check your credit for FREE? >> CLICK HERE! ((As of 7/27/25, these reports may be checked WEEKLY, not annually! Take advantage!)) Ready to apply and create y…
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The Housing Market Cooling Trend Signals Price Normalization
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1:45How a more balanced housing market could create new opportunities for both buyers and sellers. Remember, the real estate market isn’t slowing down—it’s stabilizing, and that’s good news for long-term growth.
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Down Payment Assistance Myths Busted: Empowering Your Path to Homeownership
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14:27If you're ready to buy your first house, or maybe your second or third, and you just don't have the funds to spare for a down payment and closing costs - this episode is for you. Down Payment Assistance Programs are widely misunderstood and often overlooked when they're a great program for those that need it! Tune in to separate fact from fiction a…
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From BROKE to HOMEOWNER: Former Client Explains How One Call Can Change Everything | Ep 014
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16:32In this episode, Suzi talks to Ashley Benz, a former client and current team member, about her journey and initial struggles to become a homeowner and how once she did, her entire life began to change for the better. We want to hear from you about the topics YOU want to learn about. Leave us a comment and let us know - your opinions matter to us! B…
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Fix & Flip Loans: Turning Undervalued Properties into Legacy Wealth
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3:53Dive into the world of fix and flip loans with Suzi this week on BRICK by BRICK! These SHORT-TERM loans empower real estate investors to buy UNDERVALUED properties, renovate them, and flip for profit - all based on the after-repair value, not just the purchase price! Learn how to cover renovation costs without dipping into your own capital, spot hi…
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DSCR Loans: Building Your Real Estate Investment Portfolio Without Personal Income Checks
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4:28Dive into the world of real estate investing with Suzi Beaver as she breaks down DSCR loans – the game-changer for building wealth through rental properties. Learn how these loans focus on rental income rather than your personal paycheck, making them perfect for investors, partnerships, and anyone starting with limited funds. We cover the quick app…
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Down Payment Alternatives: USDA and FHA Loans for First-Time Buyers
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5:59In this episode of Brick by Brick, your host Suzi Beaver dives into the real challenges of owning a home, especially when it comes to those daunting down payments. She breaks down awesome options like USDA and FHA loans that let you skip the traditional 20% down. We chat about why knowing your eligibility and loan limits is a game-changer, and I wa…
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Jacqui Spain: Mindset, Community, and Generational Wealth in Real Estate
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23:16In this episode of Brick by Brick, Suzi interviews Jacqui Spain, a realtor from Real Broker, who shares her journey from occupational therapy to real estate. Jacqui discusses her family life, the importance of community, and how her mindset has evolved in her new career. She emphasizes the significance of building relationships, understanding the r…
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What is DTI Ratio? Front vs Back End Explained for First-Time Buyers!
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5:52Join Suzi Beaver in this energizing episode where she demystifies Debt-to-Income (DTI) ratios, a crucial piece of the mortgage puzzle for first-time buyers. Learn the key differences between front-end ratios (focusing on housing costs) and back-end ratios (including all debts), and discover typical lender requirements. Blessings! Suz CHECK OUT THES…
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Bank Statement and Asset Loans: Flexible Paths to Your Dream Home
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3:23In this quick episode of BRICK by BRICK, join Suzi Beaver as she breaks down bank statement loans and asset loans—game-changers for self-employed folks or anyone with strong assets but tricky income proof. Discover how these flexible options can unlock your dream home without the usual tax return hassle. Remember, everyone has the right to own a ho…
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Unlock Your Home's Power: Crush High-Interest Debt with HELOCs and HELOANs
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4:12Hey there, future homeowners! I'm Suzi Beaver, and in this episode of BRICK by BRICK, we're diving into the game-changing world of HELOCs (Home Equity Lines of Credit) and HELOANs (Home Equity Loans). If you're buried under credit card bills or other high-interest debt, these tools can be your secret weapon to pay it off faster and smarter—often at…
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QM vs. Non-QM Mortgages: Unlocking Doors for Non-Traditional Dreamers
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4:50Hey future homeowners! In this episode, we dive into the world of Qualified Mortgages (QM) and Non-Qualified Mortgages (Non-QM), breaking down their key differences, pros, and cons. QM loans offer stability with stricter guidelines and lower risk for lenders, but they might not fit everyone. Non-QM shines for those with non-traditional income—like …
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Join host Suzi Beaver as she dives into the world of "Credit Conundrums," where our dedicated team at Castle & Cooke Mortgage goes the extra mile to turn homeownership dreams into reality! Featuring our VP of Credit Risk, this episode reveals how we tackle tough credit challenges—reaching out to Fannie Mae, double-checking guidelines, and finding c…
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Condo VS House: Pros and Cons for First-Time Homebuyers
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32:12In this episode of BRICK by BRICK: Building Homeownership, host Suzi Beaver sits down with Andrea Jones from Lifestyle International Realty to break down the key differences between condos, townhomes, and single-family residences. Whether you're dreaming of low-maintenance living or more space for your growing family, we'll dive into the pros and c…
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Top 5 Mistakes First-Time Homebuyers Make and How to Avoid Them
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12:13Join Suzi Beaver, your energetic guide from Castle & Cooke Mortgage, as she breaks down the top 5 mistakes first-time homebuyers often make—and shares practical tips to sidestep them. From skipping pre-approvals to ignoring hidden costs, Suzi draws on her 30+ years in the mortgage world to help you navigate the path to ownership with confidence. No…
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Did you know that over 60% of homebuyers don’t understand the difference between fixed and adjustable-rate mortgages? In this episode of BRICK by BRICK: Building Homeownership, Suzi Beaver, your energetic branch manager at Castle & Cooke Mortgage in Marshville, NC, breaks down the essentials of mortgages with passion and care! Join Suzi as she guid…
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Welcome to BRICK by BRICK: 30 YEARS of BUILDING HOMEOWNERSHIP w/ Suzi Beaver
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3:45Hey everyone, I’m Suzi Beaver, your passionate branch manager at Castle & Cooke Mortgage in Marshville, NC, and I’m thrilled to welcome you to BRICK by BRICK: Building Homeownership! With over 30 years in the mortgage industry, I’ve seen it all—processing loans, selling homes, and guiding families—and I believe everyone has the right to own a home.…
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We share a story about what budgeting strategies could help make a mortgage payment that feels too high, more comfortable! Let's go over real life tips!저자 Amy Trim and Kathleen Facey
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Listen in on this valuable and informative interview on current mortgage interest rate conditions!저자 Amy Trim and Kathleen Facey
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Episode 2: From Battlegrounds to Boardrooms: The Geoffrey Lyons Real Estate Chronicles
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15:23Welcome to Episode 2 of the Decoding Homeownership Podcast! In this exciting episode, your host PJ Hollon sits down with Geoffrey Lyons, a Residential Real Estate Professional at Lyons Den Realty at Regal Realtors. Join us as we delve into Geoffrey's extraordinary journey from the battlegrounds as a U.S. Army Combat Veteran to the boardrooms of the…
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Episode 1: Interest Rate: Why is it the wrong question to ask? Ft. Jim Weir
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7:27Episode 1: Interest Rate: Why is it the wrong question to ask? Ft. Jim Weir Welcome to a new episode of Decoding Homeownership with PJ Hollon. In this inaugural episode, we're joined by Jim Weir, Vice President of Regional Production at loanDepot. Dive into an enlightening discussion that challenges conventional wisdom about interest rates and expl…
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Join us for a Happy Hour Chat where we dive into the HOT TOPIC in Real Estate right now: Who pays the Buyer's Agent Commission? Now let's get real about it!저자 Amy Trim and Kathleen Facey
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Homeownership Strategies: Starter Homes & Building Wealth
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13:28In this episode on Cheers to Homeownership, we’ll share stategies (our tips and insights) to help you achieve homeownership in a starter home and then we'll dive into building wealth through real estate investment. Whether you're a first-time homebuyer or aspiring real estate investor, this episode is for you!…
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Should you buy a home now or wait until interest rates come down? We get into this topic from quite a few angles and share of course some examples too! Find out for yourself whether or not you should buy now or wait until later.저자 Amy Trim and Kathleen Facey
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Tune in to find out what you should do to protect yourself when buying a home. There are 2 key things to know and then you'll be protected!저자 Amy Trim and Kathleen Facey
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Find out about credit! This is an important episode where we not only go over how credit works but also our really valuable tips!저자 Amy Trim and Kathleen Facey
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How long does it take to buy a home? We go over the timing on all of the steps for you!저자 Amy Trim and Kathleen Facey
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What UPFRONT costs does a buyer have to have ready? We break it down for you!저자 Amy Trim and Kathleen Facey
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Eye opening knowledge of Natural disasters quest documentary film director and producer George Siegal
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38:02Hello and thank you listeners for tuning into I KONNECT weekly podcast "YOUR REALTOR" and host Giovonnia with Coldwell Banker Realty and Welcome Director George Siegal Author, producer and documentary film producer of "Last house standing documentary"Thank you for coming on toI KONNECT. The American Dream of homeownership "Bridging the gap of homeo…
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" Trouble selling your home?..I can help!..Before list! .. 10 day declutter challenge!!
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3:37Thank you for joining me, audience for part one series day 1 thru 5 your realtor and host Giovonnia Williams with Coldwell Banker Realty of I KONNECT, The American Dream podcast "Bridging the gap of homeownership” " Trouble selling your home?...I can help!....Before list! Start with a positive mindset and set goals for the challenge. I look forward…
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Please enjoy this introductory trailer: Thank you for joining me in this conversation audience your realtor and host Giovonnia Williams with Coldwell Banker Realty of I KONNECT, The American Dream podcast "Bridging the gap of homeownership " Trouble selling your home? I can help!.... Before list! Join in on this 10-Day Declutter Challenge for Home …
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Learn about Homeowner's Insurance and find out what you need to know.저자 Amy Trim and Kathleen Facey
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We asked a home buyer class participant if it was worth his time to take the class! Find out what he said and what other insights we learned!저자 Amy Trim and Kathleen Facey
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What are the Top 10 Reasons to Buy NOW? We'll go over them together in this episode (along with a few stories too)!저자 Amy Trim and Kathleen Facey
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What is Title Insurance and why do I want it? We interview a Title Insurance representative Kara Peebles with Fidelity to go over just that!저자 Amy Trim and Kathleen Facey
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What is an Escrow Company and what do they do? In this interview, we'll go over everything to do with them and share some fun stories too!저자 Amy Trim and Kathleen Facey
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Ever wonder how your home's value is determined? Check out this interview with an actual appraiser, Brianna Gallagher about this key appraisal step when buying/selling/refinancing a home!저자 Amy Trim and Kathleen Facey
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Amy and Kathleen interview Kyle Lytton with HomeTeam Inspection Services about the ins and outs of home inspections!저자 Amy Trim and Kathleen Facey
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We cover the 4 aspects in the Home Search Process: buyer's consultation, searching for the home, making offers and reaching "Mutual Acceptance"!저자 Amy Trim and Kathleen Facey
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What's involved in getting pre-approved to buy a home? We'll break everything down on what happens, how it works and what to expect in the pre-approval step!저자 Amy Trim and Kathleen Facey
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Do you feel overwhelmed on where to start the home buying process? We cover everything you need to know about the first step in buying a home. (Hint.... hiring your Team Captains)저자 Amy Trim and Kathleen Facey
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Amy and Kathleen introduce themselves and explain why they started this podcast!저자 Amy Trim and Kathleen Facey
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The power of a mortgage pre-approval when shopping for a home
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4:42Hello and Thank you Listeners for tuning in to I KONNECT weekly podcast "YOUR REALTOR" Giovonnia with Coldwell Banker RealtyWelcome to the The American Dream homeownership "Bridging the gap of homeownership while leaving an inheritance for future generation"*Why pre approval matters: This is the first step in any home search in finding out exactly …
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U.S. Department of Agriculture Rural Development homeownership program
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7:46USDA Home Loans are issued by qualified lenders and guaranteed by the United States Department of Agriculture (USDA). Favorable to those living in rural or low-income areas. USDA Loans offer $0 money down, lenient eligibility requirements and competitive interest rates - due to the loan being guaranteed by the USDA. Stand alone as the only mainstre…
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*Start the process of planning two months out from your move-in date, begin packing about 2-3 weeks before you move in, and be finished a few days to a week before. *What is the best order to pack for moving? I am glad you asked that questions!!! *Here's the order to what you should pack first. *Start the packing in the least used room. *You don't …
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2022 quiz buyers and sellers wants.....test your knowledge
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5:221. What is the primary reason buyers give for purchasing a home? A.) Desire to own a home B.) Job relocation C.) Desire for a larger home D.) Affordability of homes Answer (B) 2. What do buyers look for the most in finding the right neighborhood? A.) Convenience to job B.) Affordability of homes C.) Quality of the school district D.) Quality of the…
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Why buy a newly built home? Your new home is waiting for you!!
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2:10Hello and thank you listeners for tuning into I KONNECT weekly podcast. "YOUR Realtor and host Giovonnia with Coldwell Banker Realty. Welcome to The American Dream homeownership..."Bridging the gap of homeownership while leaving a inheritance for future generations" Reasons and benefits: Low cost maintenance Turn key move in ready New building mate…
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Sometimes the conversation you have with yourself is your worst enemy and you start to wonder if it's a waste of time. Get out of your head. Discipline and accountability is a valuable tool. Set realistic goals Set a date to achieve your goal. Steps to tackle debt: Look at your existing budget and make the necessary adjustments. Start a savings acc…
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Downsizing your home for a smaller home ...while reinvesting in a simpler lifestyle.
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4:25Hello and thank you Listeners for tuning in to I KONNECT weekly podcast your host and "YOUR REALTOR" Giovonnia with Coldwell Banker Realty. Welcome to the The American Dream homeownership......"Bridging the gap of homeownership while leaving a inheritance for future generation" Questions you may want to Ask yourself. Even if your home is paid off b…
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Here's the jumping-off point, self-care is a broad range of activities, practices you can adopt to improve your health and well-being. Such as: Making healthy lifestyle choices and avoiding unhealthy habits. Here's a few self care tips: *It requires tough-mindedness, a deep and personal understanding of your priorities. *Respect for both yourself a…
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