Real Estate Agent Training Coach - Open Houses - Marketing Tools and Tips

Call Directions Website Contact the practice

Real Estate Agent Training Coach - Open Houses - Marketing Tools and Tips I provide Real Estate Marketing tools and training to help agents grow their Real Estate business.

10/18/2026

🏡🔑 Almost at closing? Your financial decisions still matter until the keys are yours!

In this video, I share four habits to help keep your mortgage approval on track:

✅ Stay current on existing payments.
✅ Avoid new credit and large purchases.
✅ Check with me before closing or consolidating credit accounts.
✅ Tell me promptly about changes to your income, employment, or finances.

That furniture sale can be tempting—but check with your loan officer before making a move that could affect your financing.

**Have questions about what to do—or avoid—before closing? Call or text me at 913-710-5626. Let’s work toward a smooth finish!**

Ron Cardozo | Sr. Home Loan Advisor
First Bank Mortgage
🌐 www.RonCardozo.com

LO NMLS 34541 | First Bank NMLS 551928
Equal Housing Lender. All loans subject to credit approval and program requirements.

🏡 **Think you need 20% down to buy a home? You may have more options than you realize.**Qualified buyers may be eligible...
10/18/2026

🏡 **Think you need 20% down to buy a home? You may have more options than you realize.**

Qualified buyers may be eligible for loan programs with smaller down payments. The right choice depends on your finances, eligibility, and homeownership goals.

Before deciding how much to put down, consider:

✅ Your estimated monthly payment
✅ Closing costs, which are separate from your down payment
✅ Mortgage insurance, if required
✅ Savings for moving, repairs, and unexpected expenses

Let’s compare your options and build a plan that fits your budget.

📲 **Call or text Ron Cardozo: (913) 710-5626**
🌐 www.RonCardozo.com

Ron Cardozo | Senior Home Loan Advisor
NMLS #34541 | First Bank Mortgage | NMLS #551928
Equal Housing Lender. All loans subject to credit approval and program eligibility. Mortgage insurance may be required. This is not a commitment to lend.

🏡 **What will your monthly payment actually be?**Principal and interest are just part of the picture. When planning your...
10/18/2026

🏡 **What will your monthly payment actually be?**

Principal and interest are just part of the picture. When planning your homebuying budget, include:

✅ Principal and interest
✅ Property taxes
✅ Homeowners insurance
✅ Mortgage insurance, if applicable
✅ HOA dues, if applicable—typically paid separately

Taxes, insurance costs, and HOA fees can change over time. Leave room in your budget for utilities, maintenance, and unexpected repairs, too.

Let’s review the full picture so you can shop with a clearer understanding of your estimated monthly housing costs.

📲 **Call or text Ron Cardozo: (913) 710-5626**
🌐 www.RonCardozo.com

Ron Cardozo | Senior Home Loan Advisor
NMLS #34541 | First Bank Mortgage | NMLS #551928
Equal Housing Lender. All loans subject to credit approval. This is not a commitment to lend.

🏡 **How much house can you REALLY afford?**Your approval amount is only part of the picture. A comfortable homebuying bu...
10/16/2026

🏡 **How much house can you REALLY afford?**

Your approval amount is only part of the picture. A comfortable homebuying budget should leave room for everyday expenses, savings, and the things you enjoy.

Consider the full cost:

✅ Mortgage principal and interest
✅ Property taxes and homeowners insurance
✅ Mortgage insurance and HOA dues, if applicable
✅ Utilities, maintenance, and repairs
✅ Down payment and closing costs

Let’s review your numbers and explore financing options that fit your goals—so you can shop with a clearer picture of your budget.

📲 **Call or text Ron Cardozo: (913) 710-5626**
🌐 www.RonCardozo.com

Ron Cardozo | Senior Home Loan Advisor
NMLS #34541 | First Bank Mortgage | NMLS #551928
Equal Housing Lender. All loans subject to credit approval. This is not a commitment to lend.

Inflation came in hotter than expected, pushing market expectations for a possible Fed rate hike sharply higher. Mortgag...
10/16/2026

Inflation came in hotter than expected, pushing market expectations for a possible Fed rate hike sharply higher. Mortgage rates also moved up as the bond market reacted.

The Federal Reserve does not directly set mortgage rates, but inflation reports and investor expectations can create quick changes in mortgage pricing. If you’re buying a home, having a plan—and staying informed—matters.

Questions about today’s market or your loan options? Call me at (913) 710-5626.

Ron Cardozo
Sr. Home Loan Advisor | NMLS #34541
First Bank NMLS #551928
Equal Housing Lender

📈 **Inflation Is Heating Up Again — What Does That Mean for Mortgage Rates?** 🏡September's inflation report wasn't what ...
10/16/2026

📈 **Inflation Is Heating Up Again — What Does That Mean for Mortgage Rates?** 🏡

September's inflation report wasn't what the market wanted to see! Headline inflation climbed to **3.7%**, while core inflation reached **2.6%**.

Why does this matter? Higher inflation can put upward pressure on mortgage rates, making it more expensive to finance a home.

💡 **The good news?** Even when rates rise, there may be loan programs and financing strategies worth exploring.

📞 **Have questions about today's mortgage market? Let's talk!**

**Ron Cardozo | First Bank Mortgage**
📱 913-710-5626
🌐 www.RonCardozo.com
NMLS #34541 | First Bank NMLS #551928
Equal Housing Lender

Choosing where to live is about more than finding the right house—it’s about understanding the full financial picture. 🏡...
10/16/2026

Choosing where to live is about more than finding the right house—it’s about understanding the full financial picture. 🏡

Your budget, monthly payment, commute, proximity to loved ones, and long-term goals should all play a part in your decision. I’ll help you understand what you can comfortably afford so you can explore the neighborhoods you love with greater confidence.

Let’s make sure your financing fits your lifestyle today and your plans for the future.

Questions? Call me at (913) 710-5626 or email [email protected].

Ron Cardozo
Sr. Home Loan Advisor | NMLS #34541
First Bank NMLS #551928
Member FDIC | Equal Housing Lender

🏡 **You’re preapproved—now protect that approval all the way to closing!**Getting preapproved is a big step, but your fi...
10/15/2026

🏡 **You’re preapproved—now protect that approval all the way to closing!**

Getting preapproved is a big step, but your finances may be reviewed again before your loan closes. That means **major financial changes between preapproval and closing could affect your loan qualification, terms, or ability to close.**

During this time, it’s generally a good idea to avoid:

❌ Opening new credit cards or “buy now, pay later” accounts
❌ Financing a car, furniture, appliances, or other large purchases
❌ Co-signing a loan for someone else
❌ Making large, unexplained deposits or moving significant amounts between accounts without documentation
❌ Spending down money you’ll need for your down payment, closing costs, or required reserves
❌ Making significant employment or income changes without discussing them with your loan officer

💡 **Most importantly: communicate with me before making a major financial move.** Even something that seems harmless could change your credit, assets, income, or debt-to-income ratio.

That new furniture will still be there after closing. 😉 **Let’s get the keys first! 🔑🏡**

📲 Have a question about something you’re considering buying, financing, depositing, or changing? **Call me before you do it.** I’d much rather answer the question beforehand than discover a surprise right before closing.

**Ron Cardozo | Sr. Home Loan Advisor**
📞 913-710-5626
📧 [[email protected]](mailto:[email protected])
🌐 RonCardozo.com
NMLS #34541 |

10/14/2026

Homebuyers Can Shape Their Mortgage Rate
It's always surprising how much control homebuyers actually have over their mortgage rate. I recently read an analysis of 1.35 million US purchase loans (spanning early 2023 through late 2025), and the numbers tell a powerful story—even in the exact same month, rates varied widely. The middle 80% of borrowers saw a 93-basis-point spread, which, on a $2,000 monthly budget, can mean about $28,400 more (or less) in home price.

What made the biggest difference? Credit score. Moving from the high 600s up to 720 not only improved your rate, but key cutoffs at 700 and 720 opened the door to stronger pricing. Another often-overlooked move: shopping lenders. In retail lending, a competitive lender could beat a typical one by 19 basis points—worth nearly $5,800 on that same budget.

Finally, while many aim for the 20% down payment, it barely nudged the rate (just 0.7 basis points), though it does help you avoid mortgage insurance—which is where the real savings come in. I’ve seen firsthand how these small shifts can add up, especially for first-timers or those looking for a second home at the Lake. Getting the details right can truly shape your homebuying journey.

🏡 **Can you buy a home if you have student loans, a car payment, or credit-card debt?****Yes, potentially!** Having debt...
10/14/2026

🏡 **Can you buy a home if you have student loans, a car payment, or credit-card debt?**

**Yes, potentially!** Having debt doesn’t automatically prevent you from qualifying for a mortgage. What matters is how your overall financial picture fits the requirements of the loan program.

When reviewing a mortgage application, we’ll look at factors such as your:

🎓 **Student Loans** — The payment used for qualifying can depend on the loan program and how your student loan is currently being repaid.

🚗 **Car Payments** — Your monthly auto-loan obligation is generally considered when calculating your debt-to-income ratio.

💳 **Credit-Card Debt** — Required monthly payments on revolving accounts are generally included in your monthly debt obligations.

📊 **Overall Financial Picture** — Income, credit history, monthly debts, assets, down payment, and the loan program can all affect how much you may qualify to borrow.

💡 **The important number is often your debt-to-income ratio (DTI), not simply how much total debt you have.** Two buyers with the same amount of debt could have very different qualifying results based on their income, monthly payments, credit profile, and loan program.

And before you start paying off or closing accounts to qualify, **talk with me first.** We can run the numbers and determine which changes, if any, could actually improve your homebuying options.

📲 **Have debt and wondering whether you can buy? Let’s find out.** You may be closer

Address

6201 College Boulevard Suite 100
Overland Park, KS
66211

Opening Hours

Monday 8am - 9pm

Telephone

+19137105626

Website

Alerts

Be the first to know and let us send you an email when Real Estate Agent Training Coach - Open Houses - Marketing Tools and Tips posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Practice

Send a message to Real Estate Agent Training Coach - Open Houses - Marketing Tools and Tips:

Shortcuts

Share

Category