Mortgage Advice You Can’t Miss — Interview with Todd Nerlinger From Union Savings | Repair The Roof Podcast
- Author
- Ted Gudorf, Danny Gudorf, Gudorf Law Group, Gudorf Financial Group
- Published
- Tue 08 Jul 2025
- Episode Link
- None
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Todd Nerlinger of Union Savings Bank breaks down today’s mortgage market—interest rates, loan options like blanket, bridge, and asset dissipation loans—and guides first-time buyers through the process.
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Takeaways
- The mortgage market is currently tight with low inventory.
- Interest rates are volatile and influenced by various factors.
- Most borrowers prefer fixed-rate mortgages over variable rates.
- Buying down interest rates can be beneficial but requires careful consideration.
- Credit history is as important as credit scores in mortgage approval.
- Debt-to-income ratio is a critical factor in loan qualification.
- First-time homebuyers should seek pre-approval early in the process.
- Researching mortgage professionals is essential for finding the right fit.
- Specialty loan products can provide unique solutions for buyers.
- Asset dissipation loans can help retirees qualify for mortgages without high income.
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