The Homebuying Journey

By: The Mortgage Captain
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  • Summary

  • Dive into 'The Homebuying Journey' podcast with your host, Todd Utrup, the Mortgage Captain. This series offers a clear flight path through the complexities of buying a home, featuring expert advice and insights on mortgage options, real estate trends, and homebuyer tips. Perfect for first-time buyers and seasoned investors alike, each episode is packed with valuable information to ensure your Homebuying Journey ends with a smooth landing. Todd's NMLS# - 1968796 Company NMLS# - 1686046 Contact The Mortgage Captain at themortgagecaptain@gmail.com
    The Mortgage Captain
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Episodes
  • Episode 5 - After the Application with Jen Calland

    Episode 5 - After the Application with Jen Calland
    Dec 29 2023

    In the 5th episode of The Homebuying Journey, Todd talks about the process a potential homebuyer will go through after they start the application process. Later in the episode, he is joined by Jen Calland of Remax Connection to talk about her journey as a Real Estate Agent.


    You can contact Jen +1 (614) 554-2426 https://jencallandsellingcbus.com/

    jencalland@remaxconnection.com


    Todd Utrup - NMLS#: 1968796 | T2 Financial, LLC. D.B.A. Revolution Mortgage is an Equal Housing Opportunity Lender NMLS #1686046 (Nationwide Multistate Licensing System - ⁠www.nmlsconsumeraccess.org⁠) Corporate Address: 579 Executive Campus Dr., Ste. 300 Westerville, OH 43082 - Corporate Phone # (614) 918-0055

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    28 mins
  • Episode 4 - The Loan Application Process with Sean Cole

    Episode 4 - The Loan Application Process with Sean Cole
    Dec 27 2023

    The episode features Todd, The Mortgage Captain, discussing the loan application process and what information lenders will ask for. He breaks down the nine sections of the loan application, including borrower information, employment history, other income sources, financial information, real estate owned, loan details, declaration questions, demographic information, and loan originator information. Todd emphasizes the importance of providing accurate information and the need for supporting documentation. The episode also includes an interview with Sean Cole, a real estate agent, who shares his journey into real estate and offers advice for first-time homebuyers and those starting a career in real estate.


    You can contact Sean by Phone at 719-242-8834, on Instagram @scolexworld and Facebook by searching Sean Cole.


    00;00;06;01 Introduction to the loan application process.

    00;00;22;26 Overview of the Uniform Residential loan application (1003).

    00;01;13;29 Section one: borrower information (name, date of birth, etc.).

    00;02;01;03 Section one: previous addresses and employment history.

    00;02;56;20 Section one: gap in employment and letter of explanation.

    00;04;01;15 Section one: two year work history requirement.

    00;04;45;04 Section one: other income sources (alimony, child support, etc.).

    00;05;59;24 Section two: financial information (assets and liabilities).

    00;07;12;02 Section two: disclosure of alimony and child support payments.

    00;08;41;23 Section three: real estate owned (for current homeowners).

    00;10;34;02 Loan application process and sections

    00;11;00;21 Declaration questions on the loan application

    00;11;22;25 Examples of declaration questions

    00;12;10;18 Documentation of military service

    00;12;27;14 Demographic information on loan application

    00;13;36;10 Loan originator information

    00;14;05;12 Supporting documentation required for loan application

    00;15;12;24 Documents needed for employment verification

    00;16;21;25 Documents needed for self-employed individuals

    00;16;44;11 Documents needed for bank statements

    00;20;55;07 Introduction to the importance of being visible in real estate

    00;21;15;07 First-time homebuyers should consider market changes and comfort level

    00;22;00;25 The importance of financial numbers and comfort for first-time homebuyers

    00;22;46;12 Confused buyers don't buy, transparency is crucial

    00;23;47;21 Background of being a military kid and love for architecture

    00;24;49;12 Success attributed to mentality and mentorship

    00;25;14;14 Importance of learning from others and knowing oneself

    00;26;47;19 Starting a career in real estate requires making connections

    00;27;36;14 Contact information provided

    00;28;05;21 Conclusion and invitation to future episodes


    Todd Utrup - NMLS#: 1968796 | T2 Financial, LLC. D.B.A. Revolution Mortgage is an Equal Housing Opportunity Lender NMLS #1686046 (Nationwide Multistate Licensing System - ⁠www.nmlsconsumeraccess.org⁠) Corporate Address: 579 Executive Campus Dr., Ste. 300 Westerville, OH 43082 - Corporate Phone # (614) 918-0055

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    28 mins
  • Episode 3 - Pre-Approval Process with Boubacar Diallo

    Episode 3 - Pre-Approval Process with Boubacar Diallo
    Dec 7 2023
    In this episode, Todd Utrup discusses the importance of getting pre-approved for a mortgage before starting the home buying process. He explains that pre-approval is a preliminary green light from a lender that allows buyers to know their spending limit and understand their financial standing. Todd emphasizes the significance of gathering and providing accurate documentation, as it plays a crucial role in determining loan terms and interest rates. He also highlights the role of credit scores in securing favorable interest rates and loan approvals. Todd concludes by discussing the benefits of having a pre-approval letter, including increased confidence, faster home buying process, and a competitive advantage in the housing market. Boubacar Diallo is a real estate agent based in Columbus, Ohio. Originally from Guinea, he has been in the United States for nearly ten years. Boubacar is known for his dedication to helping clients secure loans and find their dream homes. He is a member of the Lory Kim team at Remax Connection. Contact Boubacar at Cell Phone: 929-239-8921 or email bdiallo1234@gmail.com 0:00:10Introduction to the importance of getting pre-approved for a mortgage0:00:34Definition and benefits of mortgage preapproval0:01:33Preapproval process can highlight areas of financial improvement0:02:04Considerations beyond preapproval amount when buying a home0:02:27Steps to start the preapproval process0:02:54Importance of providing complete and accurate documentation0:03:59Role of financial documentation in determining loan terms0:04:59Examples of documentation required for preapproval0:07:51Options for electronically providing documentation0:08:20Significance of credit score in the home buying journey0:14:01Benefits of having a pre approval for a mortgage0:15:35Key takeaways for first-time homebuyers0:18:04Introduction of real estate agent Boubacar Diallo0:18:22Importance of starting the pre approval process early0:19:42Boubacar Diallo's background and language skills0:21:32Boubacar Diallo's experience as a real estate agent0:22:48Boubacar Diallo's motivation to become an agent0:24:01Boubacar Diallo's approach to helping clients0:25:20The importance of securing a loan for buying a house0:26:58Boubacar Diallo's ability to assist immigrants in the process[0:27:27]Misperceptions of buying a house in Ohio for out-of-state residents.[0:28:44]Advice for aspiring real estate agents: find your niche.[0:30:02]What sets Boubacar apart as an agent: treats clients like family.[0:31:18]Contact information: phone, email, social media, YouTube channel.[0:31:46]Thanking Boubacar for coming on the podcast.[0:32:03]Conclusion of the episode. Todd Utrup - NMLS#: 1968796 | T2 Financial, LLC. D.B.A. Revolution Mortgage is an Equal Housing Opportunity Lender NMLS #1686046 (Nationwide Multistate Licensing System - ⁠www.nmlsconsumeraccess.org⁠) Corporate Address: 579 Executive Campus Dr., Ste. 300 Westerville, OH 43082 - Corporate Phone # (614) 918-0055
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    32 mins
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