Couverture de Ashely McCaleb | Open House w/ Anthony Sharp #002

Ashely McCaleb | Open House w/ Anthony Sharp #002

Ashely McCaleb | Open House w/ Anthony Sharp #002

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 Ashely McCaleb | Open House w/ Anthony Sharp #002In this episode of Open House, Anthony sits down with Ashley McCaleb of Leader One Financial (18+ years in banking, 11 as a lender) to break down the real mortgage process for first-time and repeat homebuyers.They cover where to start (lender vs. realtor), how pre-approvals actually work, what can secretly kill your loan, and why communication and transparency with your lender matter more than you think. If you’re doom-scrolling Zillow but afraid to take the next step, this conversation will help you move from confused to confident.Topics Covered & Timestamps0:00 – Intro & Ashley’s BackgroundWhat the Open House podcast is aboutAshley’s experience in banking and lending2:00 – Where to Start the Homebuying ProcessWhy you should talk to a lender before you start house huntingPre-approval vs. what you’re actually comfortable paying3:50 – What Makes a Good LenderPersonality, accessibility, and communicationDifference between local lenders and big online lenders4:40 – Why Transparency MattersWhat lenders really look at (bank statements, tax returns, pay stubs)Why it’s better to be proactive than reactive5:50 – Loan Programs & Overlays ExplainedFHA, USDA, VA, conventional basicsWhat “overlays” are and why some banks deny loans Ashley can approve12:10 – Real Problem-Solving StoriesHow Ashley closed a loan another lender denied over overtime incomeBeing a “problem solver” vs. just a paper pusher12:50 – Credit Score vs. Credit HistoryWhy recent late payments can hurt more than you thinkHow to smartly improve your score (utilization, timing, not overreacting)17:30 – The “10 Commandments” of MortgagesWhat NOT to do after you’re under contract:Don’t change jobs (especially W2 → 1099)Don’t take on new debt or buy a carDon’t make unexplained large cash depositsBe careful with Afterpay / Affirm “buy now, pay later”20:45 – Horror Stories That Blew Up LoansThe truck driver who became 1099 and almost lost everythingThe buyer who bought a truck a week before closing23:10 – “Marry the House, Date the Rate”Why waiting on lower rates can cost you more in rising pricesHow refinancing later can improve your payment24:30 – How Refinances Actually WorkDo you need a new down payment?When it makes financial sense (and when it doesn’t)27:00 – Avoiding Being House PoorSetting a monthly payment you’re truly comfortable withWhy Ashley won’t push you to your max approval just to close a deal29:20 – Picking the Right House for the Right LoanWhen a house won’t pass certain loan guidelinesRenovation loans vs. just buying something more move-in ready30:45 – Why Early Communication MattersUndisclosed debts and BNPL accounts that kill deals lateSaving buyers from wasting inspection/appraisal money32:20 – Best Advice for First-Time BuyersFinding a lender you trust (and who won’t judge your past)Ashley’s personal story: rebuilding after divorce and bad credit34:10 – Realtor–Lender as a True TeamHow good training and communication protect the buyerWhy asking questions beats guessing every time35:55 – Ashley’s App & Tools for BuyersPayment calculator that gets you within a few dollars of final paymentUploading docs, tracking your loan, and e-signing in one place37:10 – How to Contact AshleyName: Ashley McCalebCompany: Leader One Financial (Winfield, AL office; serves all of AL & MS)Phone: 205-544-5555WebsiteConnect with Anthony Sharp (Host)WebsiteInstagramFacebookCrye-Leike Properties Unlimitedhttps://www.cryeleikepropertiesunlimited.com/
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