What if everything you’ve been told about mortgages, interest rates, and “good financial advice” is backwards?

In this episode of Ground Truth, Vincent Harris sits down with Aaron Chapman—25-year mortgage veteran, top 1% loan originator, and one of the most unconventional thinkers in the industry—to dismantle some of the biggest myths in real estate finance.

Aaron shares his journey from working in underground mines and oil fields to building a nationwide investor-focused mortgage business, including the near-death motorcycle accident and financial collapse that reshaped how he thinks about money, risk, and leverage.

Key Moments:
00:00 — Welcome to Ground Truth
Vincent sets the tone of the show: real operators, real-world truth, no theory.

01:20 — Meet Aaron Chapman: 25 Years in Mortgage, Top 1% Originator
Why Aaron’s perspective matters—and why appearances can be misleading.

02:15 — The “Pattern Interrupt”: Why Aaron Looks the Way He Does
How authenticity, not conformity, became Aaron’s competitive edge.

04:40 — Growing Up Blue Collar: Mines, Wood Chopping, and Hard Work
Lessons from rural New Mexico that shaped Aaron’s worldview.

07:15 — From Oil Fields to Mines to Unemployment
Aaron’s early career, physical labor, and sudden financial free fall.

09:00 — Rock Bottom: No Gas, No Money, and a Grocery Store Coupon
The moment of humility that changed everything.

10:30 — Red Lobster, a Chance Encounter, and the Mortgage Industry
How one dinner altered the trajectory of Aaron’s life.

12:00 — Learning the Mortgage Business the Hard Way
Early mistakes, painful lessons, and brutal client behavior.

14:00 — Discovering Real Estate Investors (2003–2008)
Why investor lending became Aaron’s niche—and why others avoided it.

15:00 — The 2008 Motorcycle Crash That Changed Everything
Two shattered legs, memory loss, and a $4.5M swing in net worth.

18:10 — Why the Fed Cutting Rates Doesn’t Lower Mortgage Rates
A clear explanation of bonds, inflation, and rate mechanics.

21:40 — Gold, Fiat Currency, and the Illusion of “Rising Prices”
A $20 gold coin lesson that reframes inflation entirely.

24:10 — The Taco Bell Index and the Collapse of Purchasing Power
Why inflation is far worse than official numbers suggest.

25:45 — Why the 30-Year Fixed Mortgage Is the Greatest Financial Instrument Ever
Warren Buffett’s “one-way bet” explained.

28:30 — Cash Flow Is Not the Whole Story
How amortization, appreciation, and rent growth actually create wealth.

31:00 — Why Paying Off Your Mortgage Early Is a Mistake
Debunking popular financial advice with math.

34:30 — The Refinance Trap: How Banks Really Win
Why homeowners reset the clock and never build equity.

37:45 — The Tech Mortgage Professionals Actually Need
Why today’s CRMs fail loan officers.

39:00 — Predictive Lending, Not Reactive Lending
What Aaron wishes technology could do for LOs and investors.

41:00 — AI Is a Crutch: Relationships Are the Real Edge
Why human connection will matter more—not less—in an AI world.

43:40 — Where to Follow Aaron Chapman
How to connect, learn more, and prepare for the next episode.

44:30 — Closing Thoughts: People Over Everything
Why relationships—not money—are the real asset.

In this episode of "Ground Truth," host Vince welcomes Bobby Triplett, Senior Vice President of Renovation at Offerpad, to discuss the intricacies of real estate investment and renovation. Bobby shares insights from his journey, transitioning from ministry to leading large-scale renovation projects, and the challenges and strategies involved in managing a vast network of contractors across multiple markets. The conversation delves into the impact of technology on real estate, including how his team uses tech to run post mortems on rehabs and why being "under budget" can tank ARV.

Key moments:

1. Introduction to Bobby Triplett and Offerpad- 0:00
2. Offerpad becoming a meme stock and the wild ride for shareholders- 5:00
3. Offerpad's Approach to Technology and Renovation- 10:00
4. From the pulpit to property renovation- 15:00
5. The Evolution of Offerpad's Vendor Management- 20:00
6. Challenges and Innovations in Real Estate Renovation- 25:00
7. Future Trends in Real Estate and Co-Living Spaces- 30:00
8. Offerpad Renovate: A New Service Model- 35:00
9. Closing Thoughts and Future Prospects- 40:00

In this episode, Sam Primm shares his journey from starting with a modest goal of owning 10 rental properties to amassing a $50 million real estate portfolio. He discusses the challenges and successes of scaling his business, the importance of leveraging debt, and the innovative systems he has implemented to manage growth. Sam also emphasizes the value of investing in people and fostering a strong company culture, sharing insights on leadership and personal development.

Key moments:

1. Introduction and Background- 00:00:00
2. Setting and Surpassing Goals- 00:03:00
3. Sam on losing $80k/month- 00:09:00
4. Innovative Management Systems- 00:15:00
5. Sam's 360 degree life scorecard- 00:21:00
6. Leadership and Personal Development- 00:27:00
7. Embracing Failure- 00:33:00

Follow Sam at
IG: @samfasterfreedom
YouTube: Faster Freedom

In this episode, Vincent sits down with David Olds, the founder of EZ REI Closings, the country’s largest transaction coordination firm. David and his team sit behind thousands of deals a year, quietly solving the messy, under-the-hood problems that prevent closings — probate issues, missing death certificates, unknown liens, incomplete titles, and more.

But for all their impact, TC teams have been largely ignored by the software world. So David built his own system from scratch. And now he’s scaling a tech platform born directly from the trenches.

Key moments:

1. Trailer: 0:00
2. Introduction and Setup- Starts at 1:10
3. EZREI Closings: Background and Business Model- Starts at 2:20
4. David Olds' Origin Story and Real Estate Journey- Starts at 4:45
5. Discovering the Transaction Coordination Niche- Starts at 8:20
6. Points of Failure in Real Estate Transactions- Starts at 12:30
7. Common Silent Killers of Deals- Starts at 15:50
8. Building Custom Software Solutions- Starts at 18:30
9. Software Design Philosophy and Real-World Feedback- Starts at 21:00
10. Future of Transaction Coordination and AI- Starts at 24:30
11. Market Trends and Advice for Entrepreneurs- Starts at 27:00

Follow David at
IG: @davidoldsrei
https://ezreiclosings.com/