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The Loan Doctor Podcast

The Loan Doctor Podcast

By: Richard Brandt
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About this listen

 Welcome to The Loan Doctor Podcast, your prescription for all things mortgage! Join your host, Rich Brandt, The Loan Doctor himself from The Brandt Lending Team, and sometimes featured guest, Giselle Andres, as they demystify the world of home loans, approvals, and the path to becoming a confident homeowner. Each episode breaks down complex financial topics into clear, actionable advice. Whether you're a first-time buyer or looking to refinance, The Loan Doctor and his team share the strategies, tips, and essential knowledge (like the "Four C's of a Mortgage") you need to get approved and turn your dream of homeownership into a reality. Don't just dream it, own it. Subscribe and get your weekly dose of mortgage expertise!© 2025 Richard Brandt Economics Personal Finance
Episodes
  • The 50-Year Mortgage: A Short-Term Fix with Long-Term Consequences

    The 50-Year Mortgage: A Short-Term Fix with Long-Term Consequences
    Dec 23 2025

    Richard Brandt, the "loan doctor," and Giselle Andres discuss the controversial 50-year mortgage proposal and its potential to improve home affordability for first-time buyers. While it may offer short-term help, they warn it's not a long-term solution, won't help build wealth, and could slow home sales. The conversation ties current housing issues to pricing, inventory, policy, a shortage of housing (especially affordable housing), and interest rates. Brandt and Andres detail the financial difference between a 30-year and 50-year mortgage on a $500,000 house, noting a 50-year term could result in paying three and a half to four times the house's worth. They also consider whether this increased demand could raise overall home prices. A potential "workable and fair" alternative discussed is the temporary buy-down, which lowers the monthly payment using a lower interest rate for a period.

    Connect with us!
    https://www.linkedin.com/in/richard-brandt/
    https://www.northpointe.com/home-lending/get-started/richard-brandt/
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    32 mins
  • The Loan Doctor Podcast: The Real Estate Market in Florida with Aubreigh Hutchinson

    The Loan Doctor Podcast: The Real Estate Market in Florida with Aubreigh Hutchinson
    Dec 22 2025

    On this episode of The Loan Doctor Podcast, host Rich Brandt is joined by Aubreigh Hutchison of the Aubreigh Hutchison Group with EXP Realty. Aubreigh, a real estate agent in Florida, discusses the reasons people are moving to Florida, including the political climate and the lack of state income taxes.

    Connect with us!
    https://www.linkedin.com/in/richard-brandt/
    https://www.northpointe.com/home-lending/get-started/richard-brandt/
    Show More Show Less
    1 hr
  • Property Damage Claims in Florida: What Homeowners Need to Know with John Tolly from JT Law Firm

    Property Damage Claims in Florida: What Homeowners Need to Know with John Tolly from JT Law Firm
    Dec 19 2025

    On this edition of the Loan Doctor podcast, Rich Brandt, the Loan Doctor, speaks with John Tolly of the JT Law Firm about property insurance claims, especially concerning recent changes in legislation and its impact on homeowners.

    Connect with us!
    https://www.linkedin.com/in/richard-brandt/
    https://www.northpointe.com/home-lending/get-started/richard-brandt/
    Show More Show Less
    45 mins
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