Selling Fort Wayne: Morningstar Real Estate

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Selling Fort Wayne is a real estate podcast that focuses on the city of Fort Wayne, Indiana

Episodes

Thursday Mar 11, 2021

Mortgages with Michelle Smekens

Thursday Mar 11, 2021

In this episode of the Selling Fort Wayne podcast, hosts Tyler Morningstar and Kerri Morningstar speak with Michelle Smekens from VIP Mortgage. Michelle shares her expertise about home mortgages from her 25 years in the industry. She talks about the different types of loans, a general overview of the home-buying process and how credit scores play into it. Listen to why it’s important to talk to a lender.

"It can be scary because this is a big purchase. This is sometimes what people use for a savings account. So this can be a huge purchase and that’s why it’s good to talk to professionals." - Kerri Morningstar [09:16]

"If you are out there and you’ve talked to a loan officer and you get denied, do not hide. They’re going to help you. They’re going to give you an action plan. Follow it. They’re going to help you every step of the way." - Tyler Morningstar [21:05]

"I know my mantra has been ever since I got into the mortgage industry: I want to help people get mortgages today, tomorrow and in the future. So it doesn’t matter to me if your credit is not where it needs to be today. If I can help you get there tomorrow or sometime in the future, that’s where our goal is." - Michelle Smekens [21:19]

What You Will Learn:

[00:04] Intro

[00:59] Meet Michelle Smekens

[01:53] Why it’s important to talk to a lender

[04:31] A general overview of the process

[06:29] The different types of loans

[12:36] Can you buy a home with no money?

[14:08] How credit scores play into the process

[20:23] Mortgage lenders are here to help

[21:58] Prepaids and points

[26:00] Challenges in the home buying process

[29:37] Contacting Michelle Smekens