Too many future homeowners are told “no” when the real answer should have been “not yet.” In this special episode of the MBX Podcast, host Mike Baltazar sits down with mortgage expert Jennifer Patel to unpack why so many families experience years of unnecessary delays before buying a home — and how the right strategies can cut that wait down to just months.

Together, Mike and Jennifer share real stories of clients who were misdirected by limited lending options, explain why working with a mortgage broker can open doors faster, and outline practical game plans for turning a “not now” into a clear path to homeownership.

If you or someone you know has been told they can’t qualify for a mortgage, this conversation will give you the confidence, perspective, and solutions to move forward.

Key Takeaways:

• Why traditional lending channels often delay homeownership.

• How mortgage brokers leverage dozens of lenders to find better fits.

• The difference between “no” and “not yet” — and why it matters.

• How to build a personalized game plan for buying a home sooner.

Don’t let misinformation or limited options hold you back. Tune in now to learn how to take control of your homeownership journey.

Welcome to Episode 6 of the newly rebranded MBX Podcast: Conversations. Wealth. Well-Being.

Hosted by Mike Baltazar, part of America’s largest independent mortgage brokerage, this show empowers listeners with knowledge, options, and strategies to make empowered financial decisions. But more importantly, the MBX Podcast puts overall well-being ahead of everything else — showing how prioritizing balance, self, family, team, and wealth leads to a more meaningful, fulfilling life.

In this episode, Mike explores:

• Why traditional definitions of “success” leave people burned out and unfulfilled.

• A real story of a business owner who redefined success by prioritizing health, family, and balance.

• How well-being is not a “luxury” but the foundation of lasting success.

• Practical steps to align your financial and personal life so they work together.

This podcast not just about mortgages or money, but about building a life you actually want to live.

Let’s have a conversation about aligning your financial and personal well-being.

Contact Mike Baltazar directly:
Phone: 602-826-6198 (call or text)
Email: mike.baltazar@mbxmortgage.com

Subscribe to the MBX Podcast for more real stories, practical insights, and inspiring conversations designed to help you build wealth and live fully.

Stay connected:

LinkedIn: www.linkedin.com/company/mbx-mortgage

Facebook: www.facebook.com/mbx.mortgage

YouTube: www.youtube.com/@MBXMortgage

Welcome to Episode 4 of the MBX Podcast: Mortgages, Wealth, and Well-Being.

In this episode, host Mike Baltazar highlights the MBX First Responder Mortgage Program — a powerful way to honor and protect those who serve our communities every day.

This exclusive program is designed for first responders, including EMTs, police officers, firefighters, correctional officers, CIA agents, FBI agents, and others serving on the front lines. Here’s what makes it so impactful:

• Peace of Mind for Families: If a first responder passes away in the line of duty, their mortgage (up to $650,000) is paid off in full.

• Affordable Protection: Coverage costs as little as $70 annually on a $650,000 loan — and MBX covers the first year as our gift.

• Renewable Coverage: After the first year, families can choose to continue this protection for only a few dollars per month.

This isn’t just about mortgages. It’s about gratitude. It’s about making sure the families of those who serve are not left with a financial burden if the unthinkable happens.

If you’re a first responder, or if you know someone who is, let’s have a conversation about how this program could protect you, your family, your clients, or even a friend or loved one.

Contact Mike Baltazar directly:
Phone: 602-826-6198 (call or text)
Email: mike.baltazar@mbxmortgage.com

At MBX, it’s our privilege to serve those who serve us.

Subscribe to the MBX Podcast for more conversations that bridge mortgages, wealth, and well-being.

Stay connected:

Website: www.MBXmortgage.com

LinkedIn: www.linkedin.com/company/mbx-mortgage

Facebook: www.facebook.com/mbx.mortgage

YouTube: www.youtube.com/@MBXMortgage