99: Lender Q&A
Hustle Humbly Podcast
Alissa Jenkins & Katy Caldwell
4.9 • 914 Ratings
🗓️ 28 June 2021
⏱️ 73 minutes
🧾️ Download transcript
Summary
Ever feel like you *kind of* understand lending… but not enough to confidently explain it to your buyer?
Real talk — if you've ever crossed your fingers and hoped the lender would "just handle it," this episode is for you.
After nearly 100 episodes, we finally brought in a real-life lender to walk us through what every Realtor should know about lending. Meet Jamie Taylor from Assurance Financial — Katy's go-to lender for more than a decade. She breaks down underwriting, loan types, rate shopping, and buyer strategy in a way that actually makes sense.
Because here's the truth: when you understand financing, you protect your client. And when you protect your client, you build trust.
In this episode, we chat about:
- What really happens in underwriting (and why it feels so intense)
- Why clean, organized files lead to smoother approvals
- The difference between Fannie Mae, Freddie Mac, FHA, VA, RD, and portfolio loans
- Lender vs. broker: what's the difference?
- How rates are priced and why fees matter just as much
- The truth about discount points and "too good to be true" rates
- Strategies to help your buyers win in multiple offer situations
- Appraisal waivers and lender credits explained
- How strong pre-approvals make offers more competitive
- The biggest buyer mistakes during the loan process
- Jamie's "10 Commandments of Lending"
- What Realtors should look for in a pre-approval letter
- Contract terms that can create financing issues
- Hard money loans, escrow repairs, and underwriting timelines
- How Jamie balances lending, motherhood, and boundaries
Understanding lending is not optional if you want to operate like a professional. The more you know, the calmer you'll feel when questions come up — and your clients will feel that confidence too.
Resources Mentioned:
Assurance Financial
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Transcript
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| 0:38.3 | Oh my, |
| 0:38.8 | these are hilarious. |
| 0:40.8 | You're supposed to tell me the questions you got. |
| 0:43.2 | I'll tell you right now. |
| 0:44.0 | I just got them. |
| 0:45.6 | Here's this one. |
| 0:46.5 | Great. |
| 0:47.0 | What actually happens in underwriting? |
| 0:49.6 | And why is it so extra? |
| 0:51.7 | L.A.L. |
| 0:53.9 | Another thing I'm like, is this a rule or is it just brown of one? |
| 0:59.4 | I feel like I'm in the hot seat. You are kind of in the hot seat. Like, tell us more. Yeah. Oh, I didn't |
| 1:05.9 | know that was taken into consideration. I love it. Hi, y'all. |
| 1:11.9 | Welcome to Hustle Humbly. |
| 1:12.9 | It's Alyssa and Katie, |
| 1:15.8 | and we are two top-producing realtors in the Baton Rouge market. |
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