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Loans Elevated

The Lassig Team at CrossCountry Mortgage

160 episodes

1 day ago

Send us a text Utah is entering what experts call “The Decade of Decision.” With the 2034 Winter Olympics officially on the horizon, every choice we make today—about growth, housing, water, and infrastructure—will shape the Utah we live in tomorrow. In this episode, the Loans Elevated team breaks down highlights from the new KEM C. Gardner Institute report and explores: 🏔️ What we learned from the 2002 Winter Games 🏘️ How population growth and housing supply will impact affordability 💧 Th...

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Entrepreneurship,

All content for Loans Elevated is the property of The Lassig Team at CrossCountry Mortgage and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

Send us a text Utah is entering what experts call “The Decade of Decision.” With the 2034 Winter Olympics officially on the horizon, every choice we make today—about growth, housing, water, and infrastructure—will shape the Utah we live in tomorrow. In this episode, the Loans Elevated team breaks down highlights from the new KEM C. Gardner Institute report and explores: 🏔️ What we learned from the 2002 Winter Games 🏘️ How population growth and housing supply will impact affordability 💧 Th...

Show more...

Entrepreneurship,

Episodes (20/160)

Loans Elevated

Episode 158: Utah’s Decade of Decision - What the 2034 Olympics Mean for Our State’s Future

Send us a text Utah is entering what experts call “The Decade of Decision.” With the 2034 Winter Olympics officially on the horizon, every choice we make today—about growth, housing, water, and infrastructure—will shape the Utah we live in tomorrow. In this episode, the Loans Elevated team breaks down highlights from the new KEM C. Gardner Institute report and explores: 🏔️ What we learned from the 2002 Winter Games 🏘️ How population growth and housing supply will impact affordability 💧 Th...

6 days ago

47 minutes

Loans Elevated

Episode 157: Fed Cuts Rates, Markets Freak Out! What It Really Means for Mortgage Rates

Send us a text The Fed just cut rates… so why are mortgage rates getting worse? In this week’s episode of The Loans Elevated Podcast, Broch and TJ break down the recent Fed announcement — the October 2025 rate cut — and why the headlines don’t tell the full story. From the ongoing sell-off of mortgage-backed securities to the Fed’s mixed signals on inflation, they unpack what really drives mortgage rates and why your clients may see higher pricing even after a rate cut. They also discuss how ...

1 week ago

17 minutes

Loans Elevated

Episode 156: Black Friday Deals in Real Estate? Rates Down, Inventory Up!

Send us a text Think Black Friday only happens at Target? Think again. In this week’s episode, the Loans Elevated podcast breaks down why Q4 is secretly one of the best times to buy real estate and how smart buyers and investors can use this season to negotiate thousands off list prices. We’re talking: 📉 Rates trending lower while inventory climbs🏠 Sellers are more motivated (and willing to negotiate)🧠 Data showing Q4 homes often appraise above purchase price💰 How investors use Q4 purcha...

2 weeks ago

18 minutes

Loans Elevated

Episode 155: Government Shutdown Explained - How It Impacts Mortgages, Paychecks & Closings

Send us a text When the government shuts down, it’s not just politics—it’s personal. From TSA employees missing paychecks to delays in government-backed loans, the ripple effects can impact everything from your mortgage process to your next flight. In this week’s episode of Loans Elevated, we break down what the current government shutdown means for homebuyers, homeowners, and industry professionals. We discuss which loan programs are most affected (like USDA), what delays you can expect for ...

3 weeks ago

10 minutes

Loans Elevated

Episode 154: Utah’s Economic Boom: The Real Estate Ripple Effect

Send us a text Utah is transforming before our eyes. From the Inland Port and The Point project to massive tech and infrastructure expansions, the state’s economic engine is running hotter than ever—and that means major opportunities for homeowners and investors. In this week’s episode of Loans Elevated, Broch sits down with Jack Andrews of Edge Homes to break down what these massive developments mean for Utah’s housing market. They explore how multi-billion-dollar projects, including the upc...

1 month ago

1 hour 3 minutes

Loans Elevated

Episode 153: Why Fed Rate Cuts Don’t Mean Lower Mortgage Rates

Send us a text When the Federal Reserve announces a rate cut, most people expect mortgage rates to drop too. But here’s the truth: Fed funds rates and mortgage rates aren’t directly tied, and that’s where so much confusion comes in. In this week’s episode of Loans Elevated, we break down the difference between Fed rate cuts, Treasury yields, and mortgage-backed securities. We explain why mortgage rates often move before Fed announcements, why the 10-year Treasury is the real market to watch, ...

1 month ago

23 minutes

Loans Elevated

Episode 152: Rates Are Dropping! What That Means for Buyers & Refinancers

Send us a text Rates are falling—and with them comes one of the biggest opportunities buyers and homeowners have seen in years. In this episode of Loans Elevated, we break down why waiting for the “perfect” rate could cost you tens of thousands in lost buying power. You’ll learn: How a 1% drop in rates adds 50,000 new Utah buyers to the market (and what that means for competition)The math behind refinancing with no break-even period—saving $300+ per month instantlyWhy skipping payments and es...

1 month ago

21 minutes

Loans Elevated

Episode 151: Why Affordable Housing Is So Hard to Build

Send us a text Everyone says we need more affordable housing—but why is it so hard to actually build it? In this episode of Loans Elevated, we sit down with Josh Best of Countryside Homes to unpack the real reasons behind Utah’s housing affordability crisis. From zoning roadblocks and city politics to skyrocketing labor costs and fees, we reveal what’s really driving prices higher—and what (if anything) can fix it. You’ll learn: Why zoning rules and city councils often kill affordability befo...

1 month ago

41 minutes

Loans Elevated

Episode 150: Job Market Weakens | What It Means for Mortgage Rates

Send us a text The jobs market just showed its first real cracks in 5 years—and the ripple effect is already hitting mortgage rates. In this week’s Loans Elevated episode, we break down the latest BLS report, Fed expectations, and why this could be the golden window for buyers. You’ll learn: Why unemployment and weak job growth are now the #1 driver of mortgage ratesWhy Fed cuts in September are already “priced in”The risk of stagflation if the Fed moves too aggressivelyHow today mirrors the ...

2 months ago

16 minutes

Loans Elevated

Episode 149: Price vs. Quality - What Actually Sells Homes in Today’s Market

Send us a text Why are some listings flying off the market while others sit for weeks or months? In this episode of Loans Elevated, we bring on top Utah realtor Nick Gonzalez to debate the age-old question: What sells a home faster—compelling price or superior quality? You’ll learn: Why “days on market” is like cancer for listingsHow buyers actually calculate value (hint: they exaggerate repair costs 5–10x)When to upgrade before listing vs. when to drop priceWhy unrepresented buyers are a mas...

2 months ago

48 minutes

Loans Elevated

Episode 148: How to Build Generational Wealth Through Real Estate—Even Now

Send us a text Is real estate still a legit path to retirement in 2025? In this episode of Loans Elevated, we tackle one of the most common questions we get from clients: Can I still become a millionaire through real estate in today’s market? You’ll learn: Why seller financing isn’t always the “golden ticket” (and the risks of due-on-sale clauses)The truth about chasing cash flow vs. banking on appreciationHow buying just 2 homes in your lifetime can set you up with multimillion-dollar retire...

2 months ago

36 minutes

Loans Elevated

Episode 147: How Sage Homes Redefines Luxury - Quality, Culture, and Vision

Send us a text What separates a good home from a truly great one? For Sage Homes, it’s uncompromising quality, obsessive attention to detail, and a culture that puts people first. In this episode of Loans Elevated, we sit down with Doug from Sage Homes to uncover: How Sage achieves flawless fit and finish—even where most builders cut cornersWhy culture and team vision matter just as much as blueprintsThe story of a 26-year-old Draper home transformed into a better-than-new luxury masterpieceT...

2 months ago

26 minutes

Loans Elevated

Episode 146: The Jobs Report Is Lying to You (And It’s Costing You Money)

Send us a text The Bureau of Labor Statistics just dropped another jobs report and we’re calling BS. This week on Loans Elevated, we break down how massive downward revisions and the flawed “birth-death” model are painting a false picture of the labor market… and keeping mortgage rates higher than they should be. You’ll learn: How May & June’s job gains were actually losses after revisionsWhy the Fed still reacts to headline numbers instead of the truthThe real difference between full-tim...

3 months ago

18 minutes

Loans Elevated

Episode 145: Stuck Between Two Homes? Here’s the Smarter Bridge Loan Alternative

Send us a text Can’t buy your next home until you sell your current one? This week on Loans Elevated, we break down the smartest alternative to a traditional bridge loan—one that eliminates DTI roadblocks, minimizes fees, and gives you real leverage in this buyer’s market. You’ll learn: Why most bridge loans suck (and what makes ours different)How to exclude your current mortgage from DTIUsing a fast-close HELOC to fund the down paymentWhy this works even if your home hasn’t sold yetHow to re...

3 months ago

14 minutes

Loans Elevated

Episode 144: Will a New Fed Chair Lower Mortgage Rates? Here’s the Truth

Send us a text Jerome Powell is (likely) out. The Fed is about to pivot. But what does that actually mean for mortgage rates, buyers, and the housing market? In this episode of Loans Elevated, we break down the complex relationship between the Fed, inflation, bond markets, global uncertainty, and mortgage interest rates. Understand: Why replacing the Fed Chair may not impact mortgage rates the way you thinkThe real reason rates could stay high even if the Fed cutsHow U.S. debt, deficit, and T...

3 months ago

23 minutes

Loans Elevated

Episode 143: They Said You’d Regret Buying in 2022… Here’s the Truth in 2025

Send us a text Remember those people who said, “You’ll regret buying in 2022”? This week on Loans Elevated, we set the record straight and bring the data receipts. You’ll learn: What actually happened to home values since 2022Why the average buyer has gained $30K–$60K+ in equityHow temporary buydowns work (and why they weren’t a trap)Why waiting for “the perfect rate” cost some people their shotHow to use today’s market (higher inventory, lower competition) to your advantagePlus, we break dow...

3 months ago

14 minutes

Loans Elevated

Episode 142: The 5 Biggest Homebuying Myths Keeping You Broke in 2025

Send us a text The media is still pushing fear. TikTok is full of bad advice. And most buyers are sitting on the sidelines, waiting for a “better time.” In this episode of Loans Elevated, we dismantle the 5 most common homebuying myths with real math, real market stats, and zero fluff. You’ll learn: Why “waiting for rates to drop” is a financial trapHow renting is actually riskier than buyingWhy you don’t need 20% down (and shouldn’t wait for it)How to analyze appreciation vs interest savings...

3 months ago

21 minutes

Loans Elevated

Episode 141: How to Buy a Home with $0 Out of Pocket in 2025

Send us a text Can you actually buy a home in 2025 with no money out of pocket? The answer is YES, and it might be the smartest financial move you make this decade. In this week’s episode of Loans Elevated, we dismantle the biggest myth in real estate (“you need 20% down”) and walk through real client strategies for buying homes with $0 cash out of pocket—even paying off debt along the way. You’ll learn: The truth about 100% financing (VA, USDA, Utah Housing)How to use seller concessions, sil...

4 months ago

27 minutes

Loans Elevated

Episode 140: What It Really Costs to Rent vs. Own in 2025 - F.U.E.L. w/ Jon Bass

Send us a text Everyone’s talking about affordability, but most of the conversation is dead wrong. It’s not just about the monthly payment. It’s about control, stability, and long-term financial leverage. In this episode of F.U.E.L. by Loans Elevated, we sit down with real estate agent (and former compliance officer) Jon Bass to unpack the real definition of affordability in 2025 and why homeownership is still the ultimate move, even with today’s rates. Plus: Hear the real client stories...

4 months ago

27 minutes

Loans Elevated

Episode 139: Are Mortgage Points Worth It? Here’s the Truth No One Tells You

Send us a text A client walked into our office this week ready to pay 4 points on his loan, all because Google told him to. But here’s the problem: not only would it not get him the rate he wanted… it would’ve cost him thousands in the long run. In this week’s episode, we’re breaking down the real math and strategy behind mortgage points. You’ll learn the difference between discount points, origination points, and temporary buydowns—and when (if ever) you should use them. We cover: When disco...

4 months ago

28 minutes