More Than a Rate: What a 20-Year Mortgage Banker Wants You to Know.

Most people think getting a mortgage is simple. Find the lowest rate, sign the papers, and move in. But there's a whole lot more going on behind the scenes, and today's guest has been navigating it for over two decades.

Jennifer Ceballos has been a full-time loan officer since 2006. She works with all types of borrowers and specializes in self-employed borrowers, investors, and first-time homebuyers. She is solutions-oriented, well-versed in non-QM loan products, and customer service is at the top of everything she does.

In this conversation, we get into why rate shopping can cost you more than you think, what AI actually can and cannot do in the lending world, and why some of the best loan officers out there are part therapist, part financial coach.

We also break down loan types most people have never heard of. DSCR loans. Bank statement loans. Fix and flip financing. A 0% interest bridge loan. Asset-based loans. No FICO score loans. If you think you can't qualify, you need to hear this episode before you give up.

And if you don't qualify today, Jennifer is going to tell you exactly what to do until you do.

Connect with Jennifer:📞 646-210-5287 (call or text)

Ready to eliminate your mortgage in 5 to 7 years without refinancing?

Visit TroyHolt.com and book your free consultation.

No pressure.

No pitch.

Just a real conversation about where you are and where you want to be.

New episodes drop every other week. Subscribe so you never miss one.

Timestamps:

00:04 -- Welcome and introduction

01:15 -- How Jennifer got into the mortgage industry

05:13 -- The biggest challenges as a loan officer

06:16 -- Rate shopping and what it really costs you

14:08 -- The 50-year mortgage conversation

18:09 -- Will AI replace loan officers?

21:07 -- How Jennifer serves clients nationwide

23:07 -- DSCR, bank statement, and no-doc loans explained

28:44 -- Fix and flip, bridge loans, and more

33:04 -- Final thoughts and how to reach Jennifer

#MortgageTips #HomeLoans #DebtElimination #RealEstate #FinancialEducation #TroyTalksMoney #MortgageBanker #DSCRLoan #FirstTimeHomeBuyer #WealthBuilding

Something changed. And it was time to talk about it.

In this episode of Troy Talks Money, I sit down solo and walk you through the story behind the rebrand, where the old show went, what shifted, and exactly where this podcast is going from here.

I also break down the three things you can expect from this show going forward: real interviews with homeowners and financial professionals, solo teaching episodes on mortgage strategy and debt elimination, and vault episodes from conversations I recorded under the old brand that were too good to leave on a hard drive.

What you will take away from this episode:

• Why The Financial GPS name means exactly what it says
• What this show is and who it is built for
• How to pay off your mortgage in 5 to 7 years without refinancing

Connect with Troy:Website: thetroytalks.comNewsletter: The Financial GPS on SubstackBook a Free GPS Consultation: Book HereInstagram: @Troy_Talks_MoneyTikTok: @TroyHolt67

Welcome to the Troy Talks Podcast episode #75!

In today's episode, we're thrilled to have Kelani Blackwell, a trailblazing consultant and advocate in the commercial real estate industry.

Kelani has made significant strides from her start in residential real estate to becoming a strong voice for diversity, equity, and inclusion in commercial spaces at CBRE.

Today, she will share her firsthand experiences of the challenges faced by minority brokers and the significant disparity in diversity within commercial real estate.

We'll delve into how she transitioned her career, her motivational journey in establishing the "Women in Real Estate" club on Clubhouse, and how this platform has supported over 70,000 women by fostering a sisterhood of professional growth and empowerment.

Kelani also highlights the potential for bringing commercial real estate opportunities to underserved communities and discusses her long-term vision, including the launch of an investment fund and the upcoming Wirecon conference in 2024.

Join us as Kelani shares invaluable insights and her unique perspective on transforming the landscape of commercial real estate while creating impactful community connections

Topics covered:

- Kelani's background in real estate beginning with her mother's influence as a realtor and loan officer.

- Transition from a corporate job to entering the real estate industry, starting in a small fix-and-flip operation, and evolving into a full-service boutique brokerage.

- Moving to a significant role at CBRE focusing on multifamily investment property sales.

**Challenges in Commercial Real Estate**

- Discussion on the transition from residential to commercial real estate including the differences in emotional engagement and the complexities of commercial deals.

- The broader scope of commercial real estate, including various asset classes and brokerage types.

- The challenge of diversity in commercial real estate, particularly the lack of minority brokers in producer roles versus support roles.

- The difficulties faced by minorities in building a sustainable income and book of business within commercial real estate.

**Creation and Impact of Women in Real Estate Club on Clubhouse**

Connect with Kelani Blackwell

LinkedIn: https://www.linkedin.com/in/kelanib/

Instagram: https://www.instagram.com/kelanib?igsh=MWlrdHoyM3FpM3Jvdw==

Like, share and review