Mortgage Episodes
What Exactly Are Closing Costs, and How Do I Budget for Them?
You’ve budgeted for your down payment and feel ready to close the deal—until you hear about a list of surprise expenses you hadn’t planned for. In this episode, Ralph unpacks the details of one of the most overlooked parts of...
Navigating the Mortgage Maze: How Do I Get a Good Loan?
Applying for a mortgage can feel like stepping into a maze of paperwork, rates, and pressure. In this episode, Ralph breaks down what makes the mortgage process so intimidating—and how you can approach it with clarity and con...
Why I probably shouldn’t consider a reverse mortgage?
Are you considering a reverse mortgage as a way to tap into your home's equity? Ralph Estep Jr. dives deep into the potential pitfalls of these loans, highlighting how they may not be the financial blessing they appear to be....
Should I consider overpaying my mortgage?
Are you feeling overwhelmed by your mortgage payments and wondering if making extra payments could be the solution? Ralph Estep Jr. tackles this crucial question by exploring the potential benefits and pitfalls of overpaying ...