Welcome to On the House, a podcast focusing on homeownership and the home buying process. On the House is produced by the Texas State Affordable Housing Corporation, a nonprofit that provides down payment grants and tax credits to home buyers. Learn more at www.tsahc.org.
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Episode 37: Celebrating Hispanic Heritage Month
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Hispanic Heritage Month began on September 15th and one of the ways we're celebrating is by highlighting the needs of Hispanic home buyers. Join us as we sit down with Clarissa Hernandez, a loan officer with Waterstone Mortgage, to discuss how programs like TSAHC's can support Texans with Hispanic roots as they journey through the homebuying proces…
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Episode 36: Let's Talk About Title Insurance
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If you've been looking into the homebuying process, you'll probably have seen a discussion or two about title insurance. But what is title insurance, and is it really worth the price? This week, Joniel LeVecque is pairing up with John Fleming, General Counsel with the Texas Mortgage Bankers Association, to bring you the facts about title insurance …
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Episode 35: Interested in Interest Rates?
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Interest rates are playing a pivotal role in the housing market these days sparking curiosity from home buyers and sellers as to how mortgage interest rates are determined and if there is hope on the horizon for when they may come down. Tune in as we sit down with Erin Dee from LoanPeople to learn all about the role of the Federal Reserve Bank, how…
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Episode 34: Looking Forward with Jed Guenther
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Loan officers and REALTORS® -- Want to take a closer look at what might be in store for the housing market and the economy in general? Join us as we sit down with Jed Guenther with Lakeview Loan Servicing, LLC to discuss the state of the economy and how that might influence future housing trends. Please note that this episode was recorded in late J…
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Episode 33: Catching Up with Fifth Ward Community Redevelopment Corporation
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This week, we're focusing on spotlighting the great work one of our nonprofit partners is doing in the Houston area. Join us as we sit down with Kathy Flanagan-Payton from Fifth Ward Community Redevelopment Corporation (Fifth Ward CRC) to discuss the history of Houston's historic Fifth Ward, the services that Fifth Ward CRC offers, the work they're…
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Episode 32: Homeownership, Housing Counseling, and More with Avenue
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As much as we LOVE talking about everything about homeownership, we know how intimidating the homebuying process can be, especially for first-time home buyers. That's why our very own Frank Duplechain sat down with Angela Guerrero and Victoria Garcia with Avenue to discuss how to combat higher interest rates, become better educated on the homebuyin…
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Episode 31: Housing Vouchers and Homeownership
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Housing voucher programs are well known for their successes in helping households across the country secure affordable rental housing. But did you know that housing vouchers can be used towards a mortgage payment on a home? Join us as we sit down with Alyson Griffin, Branch Manager with Cross Country Mortgage, to discuss how housing vouchers can he…
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Episode 30: Todo Sobre Los Programas de TSAHC (En Español)
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¡Junio es el Mes de la Propiedad de Vivienda y lo celebramos trayendo a los hispanohablantes los conceptos básicos sobre la asistencia para el pago inicial y los programas de Certificado de Crédito Hipotecario! Acompáñanos mientras nos sentamos con Karla Mendoza, oficial de préstamos en First Community Mortgage, para una conversación de todo lo que…
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Episode 29: An Interview with Joy Horak-Brown
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This week we’re turning our On the House spotlight to supportive housing, which plays a key role in helping families and individuals achieve housing stability so they can focus on other financial goals (like homeownership) in the future. There’s no greater expert on the topic of supportive housing than Joy Horak-Brown, President and CEO of New Hope…
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Episode 28: Affordable Housing and Design with RODE Architects
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When it comes to architecturally designing a home, many often assume that the more luxurious it is, the more expensive it becomes. But in this week's episode, our guest host Michael Wilt sits down with Eric Robinson and Kevin Deabler, co-founders of RODE Architects to debunk that myth as they discuss the intersection of design and affordability dur…
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Episode 27: How to Buy a Manufactured Home
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Whether you're in a highly-competitive housing market or one that's a bit more rural, non-traditional housing is a great option for home buyers who are looking to balance availability with affordability. But buying a non-traditional home can present other challenges, particularly when it comes to financing. In this episode, we sit down with Aubrey …
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Episode 26: The ABCs of Shopping for a Home Loan
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As kids across Texas head back to school, we thought it might be a good time for us to get some learning in too! In this episode of On The House, our very own Sarah Ellinor will be sitting down with Gracie Perez, a loan officer with Cardinal Financial, to dig through the wealth of information on how to shop for a mortgage loan.…
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Episode 25: How Affordable Housing is Made
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If you've been following TSAHC or our On The House podcast series, you'll likely be familiar with the fact that we are big fans of affordable housing. But have you ever wondered how affordable housing opportunities are created? Come and chat with us as our host Frank Duplechain III and David Danenfelzer, TSAHC's Senior Director of Development Finan…
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Episode 24: All About the MCC Program
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It's National Homeownership Month and we're celebrating by focusing on one of the best-kept money-saving secrets that first-time home buyers can find: the Mortgage Credit Certificate! In this episode, we sit down with Donnetta McGrew, TSAHC's MCC Compliance Manager, as we go over the benefits of the MCC and how it can save home buyers money.…
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Episode 23: An Interview with a TSAHC Home Buyer
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If you've listened to any of our podcast episodes this far, you'll have heard a lot of information about homeownership from a variety of trusted REALTORS® and lenders. But in this episode, we're interviewing a first-time home buyer who used TSAHC's programs to buy a home. Join our host, Frank Duplechain III, and Alaina Curry, a proud new homeowner,…
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Episode 22: Selling or Renting Your Current Home
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If you've listened to our other podcast episodes, you'll already be familiar with our tips on how to buy your first home. But today, we're here for the homeowners who have already gone through the homebuying process and are thinking of moving on to a new home. Join us as we sit down with Jamey Hodge with Guild Mortgage to discuss the process of bec…
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Episode 21: How to Buy a Fixer Upper
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If you've been hunting for a home in today's highly-competitive housing market, you might already know how hard it is to find a home that's both turn-key and also within your budget. In this episode of On the House, we sit down with Andy Williams, founder and CEO of Recon Realty, a mission-driven realty company that helps veterans transition back t…
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Episode 20: Protect Your Home. Have an Estate Plan
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Our homes are one of the largest assets that most of us will ever have. But if you don’t have a clear estate plan in place, your heirs could have difficulty documenting their ownership of the property. In this episode, we interview Crystal Requejo with the Mexican American Unity Council to discuss the importance of estate planning and provide some …
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Episode 19: Buying a Home with Student Loan Debt
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When it comes to buying a home with student loan debt, many people believe that it's impossible to have your cake and eat it too. Well, we're here to let you know that, contrary to popular belief, you can! Join us as we sit down with our very own Frank Duplechain III and Aubrey Miller with the Q&A Mortgage Team at Cardinal Financial to break down e…
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Episode 18: Tips for Winning the Bid in a Competitive Market
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With historically-low interest rates, limited housing inventory, and bidding wars galore, today's housing market is chock-full of competition. So how do you outbid your competition? In our eighteenth episode, we meet with Gracie Perez, a loan officer with Town Square Mortgage, and Alicia Mendoza, a REALTOR® with JP & Associates to gain some insight…
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Episode 17: Busting Common DPA Myths
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Down payment assistance programs allow many home buyers to purchase the home of their dreams. Yet despite the fact that the demand for these programs is at an all-time-high, there can still be some misconceptions about how DPA works. In honor of National Homeownership Month, we sit down with Sean Moss, Down Payment Resource’s Senior Vice President …
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Episode 16: An In-depth Conversation About Fair Housing
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April is National Fair Housing Month, but do you know your housing rights and what's required of housing providers? Join us as Frank Duplechain III and Michael Wilt, our newest guest host, visit with Ellena E. Rodriguez, Manager of Outreach, Compliance & Resolutions with the Texas Workforce Commission's Civil Rights Division to break down what the …
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Episode 15: All About Property Taxes
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When buying a home, it's important to consider all the costs that are involved in the process. But equally important are the taxes that come after the home buying process. This week, we sit down with James Matias, a TSAHC team member who has been a licensed REALTOR® for more than 15 years, to discuss what property taxes are, how they work, and what…
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Episode 14: Is Buying a Home Right for You?
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Is it better to buy or rent a home? The answer often depends on your goals and your particular financial circumstances! In this episode, we sit down with Courtney Johnson Rose, a real estate developer and broker for George E. Johnson Properties in Houston, to break down the pros and cons of both options.…
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Episode 13: The Best Home Improvements for Your Investment
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With more Texans working from home than ever, it's no shock that home improvements are on the rise. But as with any major investment, it's important to know what to expect. In this installment of On The House, we meet Lali Shipley with Weiss Architecture and learn how to maximize the value you get out of your home improvement projects.…
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Episode 12: Resources for Homeowners Worried About Their Mortgage Payments
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We've previously covered how to buy a home, but what resources are available for current homeowners that are struggling to make mortgage payments during a financial crisis? We meet with Joyce McDonald, a HUD certified housing counselor and Executive Director of FrameWorks Community Development Corporation, to discuss trustworthy assistance options,…
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Episode 11: Refinancing Your Home Loan
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Brought to you by popular demand! With mortgage rates at an all-time low, many homeowners have been wondering how to refinance their homes. Kim Lewis with Guild Mortgage Company joins our very own Joniel LeVecque to walk you through the process of refinancing your home and how to tell whether or not it's the right option for you.…
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Episode 10: Applying for a Mortgage Online
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With the COVID-19 pandemic, an increasing amount of lenders have moved their mortgage application process into the digital realm. Join TSAHC's very own Joniel LeVecque as we sit down with Valerie Cardenas from Texas National Bank to discuss what home buyers can expect when applying for a mortgage online.…
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You’re in the home stretch, but are you ready for closing? Join our host Frank Duplechain III, a recent home buyer himself, and Molly Lawson with Supreme Lending as we walk you through the closing process and make sure that your new investment is fully protected.بقلم Texas State Affordable Housing Corporation
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Episode 8: Applying for a Mortgage Loan (Part Two)
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Homeowners insurance, mortgage insurance, property taxes, and more! This episode, we meet again with TSAHC’s Sarah Ellinor and Denise King from Cornerstone Home Lending to walk you through the process of applying for a mortgage loan (and explain all the costs you may need to consider).بقلم Texas State Affordable Housing Corporation
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Episode 7: Applying for a Mortgage Loan (Part One)
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We get it – buying a home is a long-term commitment. That’s exactly why you’ll want to go into the process with a lender you trust and with as much information as possible. This episode features our very own Sarah Ellinor and industry professional Denise King with Cornerstone Home Lending as we discuss how to find your perfect lender and what to ex…
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Shopping for your first home is always exciting, but there are a few things that first-time home buyers need to keep in mind while looking for their dream home. Sit down with our host, Frank Duplechain III, and REALTOR® Daniel Garza with DTM Realty Group to discuss house hunting techniques, negotiating an offer, and home inspections.…
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What goes into calculating a pre-approval? Do you know your DTI ratios? Join Connie Tharp with Hometrust Mortgage and TSAHC’s very own Joniel LeVecque as we discuss the process of finding a lender, discover how mortgage companies look at credit, and the home prices you should consider.بقلم Texas State Affordable Housing Corporation
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Episode 4: Down Payment Requirements and Closing Costs
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Do you know the difference between the down payment and closing costs? What about the minimum down payment requirements for each loan type? Jordan O’Brien with Cardinal Financial Company joins TSAHC’s Joniel LeVecque to define and provide examples of closing costs, explain various down payment requirements, and share resources for home buyers that …
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Episode 3: Understanding the Importance of Credit
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Your credit score is one of the biggest factors that lenders will use to qualify you for a mortgage. Is your credit score keeping you from buying a home, or do you simply want to learn more about how your score is determined? Stacy Lynn Schriever with Highlands Mortgage joins TSAHC’s Joniel LeVecque to explain how credit scores are calculated and h…
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Episode 2: Get Educated on the Home Buying Process
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Buying a home is one of the biggest financial decisions most of us will ever make. Fortunately, there are nonprofit resources that can help guide you through the process. Franky Bonilla with Supreme Lending joins TSAHC’s Sarah Ellinor to provide an overview of the home buying process and instructions on how to find a home buyer education provider.…
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Welcome to On the House, a podcast about homeownership and the home buying process. For our first episode, we'll introduce ourselves and answer some frequently asked questions about our down payment assistance programs. Want to learn more about down payment assistance? Then this is the episode for you!…
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