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PERL Podcast 65 / Retirement Planning for ages 55+

Sandy Marshall — Mon, 23 Aug 2010 12:12:56 +0000

Planning for retirement is a primary goal for all Americans ? and for those in the 55+ age range, the notion of planning for the future is becoming a fast reality. Bob Mecca, author and principal at Robert A. Mecca & Associates, joins Alex Margulis, Mortgage Advisor with PERL Mortgage, in part three in a series of podcasts about retirement planning. Enjoy! For more podcasts, visit the PERL archives.

Broadcasting Partners

Sandy Marshall — Tue, 30 Mar 2010 11:23:38 +0000

This is the original PERL Podcast logo from late 2008. We started the podcast at PERL’s main office on Belmont in Chicago, on the heels of a conversation I had with my brother in D.C. on the weekend of the Army Ten Miler. We were talking about the upcoming Federal bailout and the collapse of prominent Wall Street investment banks and he mentioned that the general population probably didn’t know, or really think they needed to know, something as simple as What The Fed Actually Does. So we started this ongoing series of interviews. Since its inception, the podcast has become a virtual hub for loan officers to partner with real estate agents, financial planners, appraisers and even closing agents from Chicago Title. It’s a lot of fun to host, mostly because I actually have to learn enough information about the Thing of the Moment to be able to talk about it. Chicago Agent magazine published this article about the podcast, and we’re glad to see it’s gaining some steam. To listen to episodes, visit perlmortgage.com.

PERL Podcast 51 / Seller Trends

Sandy Marshall — Wed, 03 Mar 2010 13:08:35 +0000

Everyone’s focusing on first-time homebuyers these days — and for good reason — the $8,000 tax credit expires in a few months and most real estate agents attest that first-time homebuyers are in the housing market’s driver’s seat these days. On this episode of the podcast, I sat down with Matt Cochran at PERL and Regine Norgle at R. Hawthorne Group to talk about seller trends and what sellers are realistically expecting these days. For more podcasts, visit the PERL archives.PERL Podcast 51 / Seller Trends

PERL Podcast 49 / Ben Bernanke

Sandy Marshall — Tue, 02 Feb 2010 11:06:52 +0000

Last week, the Senate voted 70-30 to approve Ben Bernanke for another four years as Chair of the Federal Reserve. In this episode of the podcast, I interviewed PERL mortgage adviser Barry Schwartz about Ben Bernanke and his role as Fed Chair. Enjoy! For more podcasts, visit the PERL archives.PERL Podcast 49 / Ben Bernanke

PERL Podcast 48 / Credit Repair

Sandy Marshall — Mon, 25 Jan 2010 11:02:46 +0000

If you Google “Credit Repair,” you’ll probably find at least 20,500,000 results. Having worked in the financial industry for quite a while, one thing I’ve learned is that everyone has an opinion on how to fix your credit — and there are a lot of rumors out there that can sometimes get people into trouble if they’re faithfully following antiquated advice. I sat down with PERL mortgage adviser Barry Schwartz and we discussed the concept of credit repair and what clients can do to raise their scores. For more podcasts, visit the PERL archives.PERL Podcast 48 / Credit Repair

PERL Podcast 47 / RESPA Changes

Sandy Marshall — Mon, 04 Jan 2010 14:32:20 +0000

The Real Estate Settlement Procedures Act was passed by Congress in 1974 to provide consumers and borrowers with disclosures about closing costs when buying a home. If you own a home, you’ve heard of the Good Faith Estimate and Truth in Lending Form. These are all a part of RESPA. Well, starting January 1st, HUD is rolling out a series of new changes that will greatly affect the mortgage industry in 2010. They’re basically consolidating these forms so that there are “no surprises” at closing tables — and home buyers will have the peace of mind of knowing that fees won’t be able to change from the time they apply to the time they close. Trick is, the lender will eat any costs under unapproved changed circumstances. Interesting. This basically means that if, say, your appraisal fee goes up from the original quote on your Good Faith Estimate, the lender will eat the fee. Dan Fogel, an attorney and mortgage consultant with PERL, explained all of these changes — and if you follow the housing market and changes in our national financial markets, you’ll be hearing more and more about this. Check it out. For more podcasts, visit the PERL archives.PERL Podcast 47 / RESPA Changes

PERL Podcast 46 / 2009 In Review

Sandy Marshall — Mon, 28 Dec 2009 11:00:37 +0000

PERL President Ken Perlmutter joined me for the 2nd annual year in review on the PERL Mortgage Podcast. Over the past year, the mortgage industry has gone through an ocean’s worth of sea changes from tighter lending guidelines to new government-sponsored homeowner tax breaks to a pretty solid image crisis. Ken’s an innovative business owner, and he knows how to adjust his company to changes in market conditions while staying true to core values. With a new decade around the corner, we’re seeing a number of big and small business owners (some of whom are clients) work to not only “save” current business, but to quickly shore-up resources and mindshare to prepare for a new landscape of business trends and expectations. 2010 will be a year in which more people go back to banks and bigger independent lenders, not because they’re better, but because people tend to trust vaults and multiple offices and big annual volume. I think the name of the game will be reputation, trust, and bedside manners. So often, people get busy in the financial business and forget to pay attention people and to answer questions and to know that the general population doesn’t need to swim in Jargon River. Education always wins in the end. For more ep’s of the podcast, visit the PERL archives.PERL Podcast 46 / 2009 In Review

PERL Podcast 45 / Tax Credit Extension

Sandy Marshall — Wed, 02 Dec 2009 12:48:34 +0000

First off, this our 45th episode of the PERL Mortgage Podcast — wow! The entire idea came from a conversation I had with my brother in fall 2009 around the time of the Federal Bailout. We were talking about how complicated the dang thing was, and he suggested doing a podcast breaking down and discussing the components one by one. This time around, I sat down with Bob Bowman, a mortgage consultant with PERL, to talk about the recent extension of the first-time homebuyer tax credit. Bob’s been in the business since 2001, and he just launched a very unique website and blog. Bob’s dad is famed hockey coach Scotty Bowman, and his brother is Hawks GM Stan Bowman — so, as you can imagine, BowmanTeam.com will feature all things mortgages and all things hockey. Enjoy! For other ep’s of the podcast, visit the PERL archives.PERL Podcast 45 / Tax Credit Extension

PERL Podcast 43 / Closing the Deal

Sandy Marshall — Wed, 18 Nov 2009 11:00:24 +0000

On this edition of the PERL Mortgage Podcast, I sat down with Tom Killoren, the Senior Account Executive at Chicago Title. We talked about the closing process and the role of title companies in closings. Chicago Title is a longtime Chicago institution — and closings themselves are an odd thing. You’re in a big conference room in a huge office filled with other big conference rooms. You’re sitting down with everyone involved in the homebuying process — and you’re finalizing one of the biggest financial steps you’ll ever make. Luckily we have guys like Tom to guide us through the process. Enjoy! To hear more episodes, go to the PERL archives.PERL Podcast 43 / Closing the Deal

PERL Podcast 42 / Deducing the Deduction

Sandy Marshall — Wed, 28 Oct 2009 00:29:35 +0000

Marc Heller is a partner at Warady & Davis, LLP and he’s become the resident tax expert for the PERL Mortgage Podcast, my regular series of interviews with professionals in the Chicago real estate community. On this episode, Marc explains different types of tax deductions one can make once one owns one’s own home. That’ a lot of oh’s. Most people know that they can write-off mortgage interest. But can you write-off a new paint job right before you rent-out your home? Check it out. To hear more episodes, go to the PERL archives.PERL Podcast 42 / Deducing the Deduction