#029 - This week, the All About the Money crew is diving into the scaling of their mortgage business at First Commerce Financial.  Kirk and Ken discuss their past in the company, and the fluctuation of the company’s size, and how they’ve built it to what it is in 2020.  As 2021 approaches, there will be opportunities to add more staff, as First Commerce Financial handles home loans and refinances in Arizona, Florida, California, and Michigan.You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce.   We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx-------------------------------------------------------The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following:To reach Kirk Chivas 248-207-2404Follow Kirk on Instagram @kirkchivas To reach Ken Turkington 248-459-5511Follow Ken on Instagram @kenturkington To Reach Tab Diedrich-Cummings 734-735-3889Follow Tab on Instagram @tabdiedrich ----- First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.Visit us online at http://www.firstcommercefinancial.com We invite you to follow First Commerce Financial on our social media platforms.Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial If you are in Arizona, like us on our Arizona Facebook Pagehttp://www.facebook.com/firstcommercefinancialAZ If you are in Florida, like us on our Florida Facebook Pagehttp://www.facebook.com/firstcommercefinancialFL If you are in Michigan, like us on our Michigan Facebook Pagehttp://www.facebook.com/firstcommercefinancialMI If you are in California, like us on our California Facebook Page http://www.facebook.com/firstcommercefinancialCA -----If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19

All About The Money

Episode 29: Scaling the Mortgage Business

#028 - A common question from most individuals applying for a mortgage is, “How quickly can we get this loan complete?”  In this episode, we will discuss the factors that go into the mortgage process, and what you can expect as your loan moves towards through the process.  The bottom line, with any mortgage transaction, is that the satisfaction that you will have is driven by the communication you receive from your mortgage broker, or the lender.You can also listen to the All About The Money Podcast on iTunes.  We invite you to subscribe to the podcast at https://apple.co/34lHY2pWe invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0SxThe First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following: To reach Kirk Chivas 248-207-2404Follow Kirk on Instagram @kirkchivas To reach Ken Turkington 248-459-5511Follow Ken on Instagram @kenturkington To Reach Tab Diedrich-Cummings 734-735-3889Follow Tab on Instagram @tabdiedrich----- First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.We invite you to follow First Commerce Financial on our social media platforms.Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial If you are in Arizona, like us on our Arizona Facebook Pagehttp://www.facebook.com/firstcommercefinancialAZ If you are in Florida, like us on our Florida Facebook Pagehttp://www.facebook.com/firstcommercefinancialFL If you are in Michigan, like us on our Michigan Facebook Pagehttp://www.facebook.com/firstcommercefinancialMI If you are in California, like us on our California Facebook Page http://www.facebook.com/firstcommercefinancialCA-----If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19

Episode 28: The Speed of the Mortgage Process (From Start to Close)

#027 - In the spirit of Halloween, the podcast crew has decided to resurrect a few mortgage stories from the past that still sends chills down their spines.  As mortgage professionals, we pride ourselves on guiding our clients through the process as seamlessly as possible.  But, every once in a while, there is a situation that sticks out, and lives on in infamy.  The names remain anonymous to protect the innocent, but the stories are real.The takeaway from this episode is that you can learn from the situations so that you can avoid making the same mistakes.  So sit back, relax, and enjoy some horror stories from the mortgage industry.You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce.   We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0SxThe First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following:To reach Kirk Chivas 248-207-2404Follow Kirk on Instagram @kirkchivas To reach Ken Turkington 248-459-5511Follow Ken on Instagram @kenturkington To Reach Tab Diedrich-Cummings 734-735-3889Follow Tab on Instagram @tabdiedrich ----- First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.Visit us online at http://www.firstcommercefinancial.com We invite you to follow First Commerce Financial on our social media platforms. Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial If you are in Arizona, like us on our Arizona Facebook Pagehttp://www.facebook.com/firstcommercefinancialAZ If you are in Florida, like us on our Florida Facebook Pagehttp://www.facebook.com/firstcommercefinancialFLIf you are in Michigan, like us on our Michigan Facebook Pagehttp://www.facebook.com/firstcommercefinancialMIIf you are in California, like us on our California Facebook Page http://www.facebook.com/firstcommercefinancialCA-----If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19

Episode 27: Mortgage Horror Stories

#026 - Preparing to purchase your first home, or upgrading your home for the next stage in your life, can be exciting.  But, we all have financial challenges that we deal with throughout the course of our lives.  Many homeowners (or future homeowners) have debt, some don’t have the necessary savings set aside for a down payment, while others may need to take a few steps to improve their overall credit score.  The bottom line is, most people have work to do in order to be in the best possible shape for qualifying for a home loan.On this episode, the team examines a real-world scenario that Tab dealt with earlier this year.  A newly married couple, with debt, was looking to purchase their first home.  While they had some work to do, all parties discussed a plan which allowed them to tackle their debt, and work towards the ultimate goal of home ownership.  While spending money is certainly fun, you can also generate satisfaction from saving your money, reducing your debt, and working towards your ultimate wealth building goals.You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce.   We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following: To reach Kirk Chivas 248-207-2404Follow Kirk on Instagram @kirkchivas To reach Ken Turkington 248-459-5511Follow Ken on Instagram @kenturkington To Reach Tab Diedrich-Cummings 734-735-3889Follow Tab on Instagram @tabdiedrich-----First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.Visit us online at http://www.firstcommercefinancial.comWe invite you to follow First Commerce Financial on our social media platforms. Follow Us on Instagram – http://www.instagram.com/firstcommercefinancialIf you are in Arizona, like us on our Arizona Facebook Pagehttp://www.facebook.com/firstcommercefinancialAZ If you are in Florida, like us on our Florida Facebook Pagehttp://www.facebook.com/firstcommercefinancialFL If you are in Michigan, like us on our Michigan Facebook Pagehttp://www.facebook.com/firstcommercefinancialMI If you are in California, like us on our California Facebook Page http://www.facebook.com/firstcommercefinancialCA-----If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19 

Episode 26: Playing The Long Game for Acquiring Your Next Mortgage

#025 - In addition to helping you secure a mortgage for a home purchase, the First Commerce Financial team also believes in using your mortgage as a tool to help grow your overall net worth.  In this episode of the All About the Money Podcast, we discuss how you can use your annual mortgage review to help with that goal.  As a part of that review, we talk about evaluating your CPA, your Financial Planner, your Real Estate Agent, and you Insurance Agent.  Ultimately, the team you surround yourself with will be key in helping you grow your overall net worth.Do you have any friends or associates that may be buying, or refinancing a home within the next 6 months?  We would love to have a conversation with them.  You can reach any of the All About The Money team members at the contact information, or social media outlets, listed below.You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce.   We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0SxThe First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following:To reach Kirk Chivas 248-207-2404To follow Kirk on Instagram @kirkchivasTo reach Ken Turkington 248-459-5511To follow Ken on Instagram @kenturkingtonTo Reach Tab Diedrich-Cummings 734-735-3889To follow Tab on Instagram @tabdiedrich-----First Commerce Financial is licensed in Arizona, Florida, Michigan and California.Visit us online at https://www.firstcommercefinancial.comWe invite you to follow First Commerce Financial on our social media platforms.Follow Us on Instagram – http://www.instagram.com/firstcommercefinancialIf you are in Arizona, like us on our Arizona Facebook Pagehttp://www.facebook.com/firstcommercefinancialAZ If you are in Florida, like us on our Florida Facebook Pagehttp://www.facebook.com/firstcommercefinancialFL If you are in Michigan, like us on our Michigan Facebook Pagehttp://www.facebook.com/firstcommercefinancialMIIf you are in California, like us on our California Facebook Page http://www.facebook.com/firstcommercefinancialCA----- If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19

Episode 25: Using Your Annual Mortgage Review as a Guide to Grow Your Net Worth

We are excited to be sharing real world, mortgage qualification scenarios with our listening audience.  It is our goal to share a variety of situations we deal with on a day-to-day basis, so that you can have a better understanding of what to expect when you are looking to secure a loan for your next home purchase.  On today’s show, we want to demonstrate to our audience how an hourly worker, moving from out of state, can qualify for a new mortgage in the amount of $510,400 in 2020.As is typical in all real estate transactions, multiple conversations with Real Estate agents were required to provide confidence for all parties to proceed to achieve a successful closing.----You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce.   We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.Join the Conversation on the All About The Money Podcast Facebook GroupThe First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following:To reach Kirk Chivas 248-207-2404Follow Kirk on InstagramTo reach Ken Turkington 248-459-5511Follow Ken on InstagramTo Reach Tab Diedrich-Cummings 734-735-3889Follow Tab on Instagram-----First Commerce Financial is licensed in Arizona, Florida, Michigan and California.Visit us online at http://www.firstcommercefinancial.comWe invite you to follow First Commerce Financial on our social media platforms.Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial If you are in Arizona, like us on our Arizona Facebook Pagehttp://www.facebook.com/firstcommercefinancialAZ If you are in Florida, like us on our Florida Facebook Pagehttp://www.facebook.com/firstcommercefinancialFL If you are in Michigan, like us on our Michigan Facebook Pagehttp://www.facebook.com/firstcommercefinancialMIIf you are in California, like us on our California Facebook Page http://www.facebook.com/firstcommercefinancialCA-----If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) 

Episode 24: Real World Mortgage Scenarios - Hourly Worker Qualification for a Home Loan

#023 - Pending home sales are at an all time high, and that leads to both excitement and frustration...depending on what you're trying to do.  Kirk and Ken, co-founders of the Mortgage Brokerage, First Commerce Financial, give some perspective of what that means for the lenders, and what that means for the consumer.You can also view the video version of this podcast on YouTube.  We invite you to watch, share, and subscribe to  First Commerce Financials' YouTube Channel.The First Commerce Financial team is here to help, and can be reached at the contact info belowTo reach Kirk Chivas 248-207-2404To reach Ken Turkington 248-459-5511To reach Tab Diedrich 734-735-3889You can visit us online at FirstCommerceFinancial.comOn FacebookOn Instagram

Episode 23: State of the Purchase Market: A Lender's Perspective

#022 - When applying for a mortgage, or going through a refi, it&apos;s typically easier for those who are employees that receive a W-2.  But for those who are self-employed, it can be a process that requires more than your average home loan.Kirk, Ken, and Tab go over what to expect as a self-employed borrower.  Specifically, how long you&apos;ve been in business, and how you can go about proving how successful your business is.  There are also limitations on what funds you can use to qualify, and what funds you won&apos;t be able to use.The Covid-19 pandemic has made things even more challenging, mainly because many self-employed businesses have been significantly impacted.  You credit score will need to be higher, and you can certainly expect a higher level of scrutiny.Of course, the First Commerce Financial team knows the in&apos;s and out&apos;s of this process, and can help you with those questions.  They also making it easy to see if it&apos;s time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it&apos;s the perfect time, given your particular scenario. You can contact any member of the team.Contact Kirk at 248-207-2404Contact Ken at 248-459-5511Contact Tab at 734-735-3889You can also learn more about Kirk, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.comYou can connect with them on Facebook at www.facebook.com/firstcommercefinancialflFollow them on Instagram at www.Instagram.com/FirstCommerceFinancial

Episode 22: Navigating a Mortgage or Refi As A Self-Employed Borrower

#021 - Even though Covid-19 has made many aspects of life, problematic to say the least, the rates we are experiencing has kept the housing and refinancing markets going strong.Kirk, Ken & Tab start things off discussing the current state of the market, particularly issues that are important to borrowers.  They also go over supply and demand, and how there is an excess of buyers in many markets, and how that affects the process.  They round out the conversation with talks about concessions, and how it comes into play when you are making an offer on a home when that home has multiple offers.The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.Contact Kirk at 248-207-2404Contact Ken at 248-459-5511Contact Tab at 734-735-3889You can also learn more about Kirk, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.comYou can connect with them on Facebook at www.facebook.com/firstcommercefinancialflFollow them on Instagram at www.Instagram.com/FirstCommerceFinancial

Episode 21: Updates, Market Conditions & Down-Payments In a Competing Market

#020 - Ken Turkington, Co-Owner of First Commerce Financial, finally joins the All About The Money Podcast.  Kirk and his crew are in Florida, while Ken and his team are in the Greater Phoenix Arizona area.On the show, Kirk, Ken & Tab discuss the current state of the market, the decision-makers in the refinancing process, and escrow accounts (Tab's favorite).The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.Contact Kirk at 248-207-2404Contact Ken at 248-459-5511Contact Tab at 734-735-3889You can also learn more about Kirk, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.comYou can connect with them on Facebook at www.facebook.com/firstcommercefinancialflFollow them on Instagram at www.Instagram.com/FirstCommerceFinancial

Episode 20: Ken Joins The Podcast

#019 - On today's episode, we are talking about Credit Scores.  Specifically, how they help your purchasing power when it comes time to securing a loan to purchase your next home.  Kirk and Tab also discuss some of the items that can help, and hurt, your scores.  You want to make sure you don't make a mistake that can adversely affect your score.The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.Contact Kirk at 248-207-2404Contact Ken at 248-459-5511Contact Tab at 734-735-3889You can also learn more about Kirk, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.comYou can connect with them on Facebook at www.facebook.com/firstcommercefinancialflFollow them on Instagram at www.Instagram.com/FirstCommerceFinancial

Episode 19: Credit Scores

#018 - We hope everyone had a great Memorial Day Weekend.  Kirk and Tab kick off the show recapping their weekend and how things are going as the country begins to re-open for business.On this episode, the duo discusses the importance of saving your money when it comes to making that home purchase.  Given that many people have been staying home for the past couple of months, saving habits (or spending habits, in some cases) have adjusted, depending on how you and your household operate.  It's not only important for the down-payment, but also those unexpected expenses that may turn up (and they usually do) as a result of being a homeowner.As mortgage professionals, the team at First Commerce Financial have made it their mission to help their clients build their net worth.  They will take the time to go over a plan for you, that will help you, whether you are looking to purchase within the next 6 months, or 2 years from now.The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.Contact Kirk at 248-207-2404Contact Ken at 248-459-5511Contact Tab at 734-735-3889You can also learn more about Kirk, Cass, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.comYou can connect with them on Facebook at www.facebook.com/firstcommercefinancialflFollow them on Instagram at www.Instagram.com/FirstCommerceFinancial

Episode 18: Saving Money for the Downpayment

#017 - Giving a Quick Update in the mortgage world.  As the country begins to re-open, new opportunities are coming.The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.Contact Kirk at 248-207-2404Contact Ken at 248-459-5511Contact Tab at 734-735-3889You can also learn more about Kirk, Cass, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.comYou can connect with them on Facebook at www.facebook.com/firstcommercefinancialflFollow them on Instagram at www.Instagram.com/FirstCommerceFinancial

Episode 17: Quick Update As The Country Begins to Re-Open

#016 - Discussing the Homebot Tool.While America is waiting to get back to normalcy, the First Commerce crew is still pushing forward to assist customers and our real estate partners with a tool that can help stay top of mind, while allowing them to see their home's worth, along with a variety of scenarios with their current mortgage.The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.Contact Kirk at 248-207-2404Contact Ken at 248-459-5511Contact Cass at 813-943-4663Contact Tab at 734-735-3889You can also learn more about Kirk, Cass, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.comYou can connect with them on Facebook at www.facebook.com/firstcommercefinancialflFollow them on Instagram at www.Instagram.com/FirstCommerceFinancial

Episode 16: Talking New Tech To Help You With Your Mortgage Decisions

#015 - Taking Your Questions during this Quarantine.The crew is answering your mortgage and refi questions on this episode.  What is Forbearance Vs. Deferment?  What steps should I take to refi or get a loan once this is over?  Are property values going to be severely affected?  Plus additional questions we took from our Facebook Live Stream.The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.Contact Kirk at 248-207-2404Contact Ken at 248-459-5511Contact Cass at 813-943-4663Contact Tab at 734-735-3889You can also learn more about Kirk, Cass, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.comYou can connect with them on Facebook at www.facebook.com/firstcommercefinancialflFollow them on Instagram at www.Instagram.com/FirstCommerceFinancial

Episode 15: Answering Your Mortgage Questions

All About the Money is dedicated to discussing and helping our listeners better understand their finances, their budgets, and growing their net worth. Hosted by Kirk Chivas, a mortgage and finance professional with over 25 years of industry experience, the show will feature advice plus interviews with industry professionals.

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All About The Money

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