The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds

Are these “solutions” actually solving anything? In this episode of The Brutally Honest Loan Officers Podcast, Stephen and Derick break down the biggest headlines in housing and finance — and give their unfiltered take on what these changes mean for real buyers and homeowners.

▶️ We cover: • The $200 billion MBS buy from Fannie & Freddie • 50-year and portable mortgage proposals • Banning institutional investors from buying hom...

This isn’t a highlight reel of the biggest loans we closed. It’s the most meaningful ones.

In this episode, Derick and Stephen share four of their favorite files from 2025 — not because of the loan size, but because of the story behind the numbers.

🎧 You’ll hear:

• A client denied by Rocket Mortgage… who closed in 14 days after getting a second opinion

• A Realtor who used a creative bank statement strategy to buy a home and a...

Episode 106 — Take Advice From People Who’ve Actually Done It

In this episode, Stephen and Derick get brutally honest about something that goes way beyond mortgages:

👉 Who should you actually take advice from?

This conversation was sparked by a first-time buyer who said: “I don’t want advice from someone who’s never done this.”

And honestly? He’s right.

🎧 In this episode:

• Why experience > theory when it comes to homebuyi...

This episode is different — and that’s intentional.

In this Brutally Honest Christmas Special, Stephen and Derick step away from rates, markets, and programs to talk about what home really means during the holidays.

They reflect on:

• Why Christmas hits differently than the rest of the year

• Favorite family traditions and slowing down with loved ones

• What it’s like closing homes around the holidays

• Lessons learned from a c...

The Fed just cut rates — again — but if you’re expecting mortgage rates to drop like a rock, think again.

In this Brutally Honest episode, Stephen and Derick break down the latest Federal Reserve meeting in plain English, and explain what it really means for mortgage rates, affordability, and the housing market going into 2026.

Inside:

• Why the Fed cut by 0.25% — and what drove the decision

• Why mortgage rates don’t follow Fe...

We read the comments… and we’ve got thoughts.

In this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen respond to some of your hottest takes, misconceptions, and truth bombs — straight from the comments section of their videos.

They break down:

• Whether banks are really cheaper than mortgage companies

• A killer real-life equity story that proves why homeownership works

• The brutal truth about over-ren...

Could portable mortgages be the answer to our locked-up housing market? In this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen dive into the idea of portable mortgages — loans you can take with you when you move — and why they’re used in other countries but not in the U.S.

They break down:

• What portable mortgages actually are (and how they work)

• The potential benefits: mobility, affordability, inve...

Spring isn’t the only time to buy — and it might not even be the smartest.

In this episode of The Brutally Honest Loan Officers, Stephen and Derick expose why fall and winter could be your best window to buy a home (and save serious money doing it).

We cover: ✅ Why fewer buyers = less competition and better deals ✅ The rise of motivated sellers — and how to negotiate with them ✅ How slower pipelines = faster closings ✅ Real seasona...

Two major changes are coming — and they could reshape how Americans buy homes.

In this episode, Derick and Stephen break down: 🔹 Fannie Mae’s move to remove the 620 minimum credit score requirement 🔹 The Trump administration’s floated idea of government-backed 50-year mortgages

We unpack: ✅ What these changes really mean for buyers, real estate agents, and lenders ✅ Why "no credit score cutoff" doesn’t mean “no risk” ✅ How a 50-y...

Let’s get real. If you’re telling yourself you “can’t afford a home,” but you’re hitting DoorDash three times a week and grabbing gas station snacks like it’s a lifestyle — this episode is your wake-up call.

Stephen and Derick break down the brutal truth about where your down payment is actually going (spoiler: it’s not student loans or low income). It’s your small, daily spending habits — the ones that feel harmless — that are qui...

It’s spooky season, and Stephen and Derick are pulling back the curtain on one of real estate’s eeriest topics — haunted houses. 👻

From the history of haunted homes to infamous sales like The Amityville Horror House and The Conjuring House, this episode explores why some buyers run… while others see dollar signs. The guys dig into:

• The real history behind America’s fascination with haunted real estate

• How “haunted” homes c...

In this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen explain why the current housing market presents a rare opportunity for buyers. They dig into the latest data showing rising inventory, slower sales, and increasing seller concessions—all signals that power has shifted back toward buyers.

Listeners will learn how these conditions translate into real leverage: the ability to negotiate below list price, s...

Stephen and Derick unpack Florida’s Hometown Heroes Program and why it’s a powerful path for first-time buyers in essential roles. They cover how the assistance works (up to 5% of the first mortgage, capped at $35,000) as a 0% interest, deferred second mortgage; who qualifies (full-time Florida workers, first-time buyer status with exceptions for vets, 640+ credit, income limits, primary residence); and how to reserve funds with an...

In a personal, reflective episode, Derick shares lessons from losing his mom to breast cancer and navigating probate without a will, trust, or updated beneficiaries. He explains how Florida homestead protections helped preserve the family home—and ultimately became a financial springboard—while highlighting practical steps every family can take now: name beneficiaries on all accounts, create a will or (better) a living trust, and c...

Stephen and Derick break down the three main ways to tap home equity—HELOC, Home Equity Loan, and Cash-Out Refinance—so homeowners can choose confidently. They clarify when each option fits (flexible access with variable rates for HELOCs; predictable lump-sum needs with fixed payments for Home Equity Loans; one new mortgage—and possibly a better rate—for Cash-Out Refis), along with pros, cons, costs, and risk considerations. The ho...

The Fed just cut rates—but mortgage rates actually went up. In this episode, Stephen and Derick break down why that happened, what the Fed really controls, and how the bond market drives mortgages instead.

You’ll learn:

• Why the Fed cut its benchmark rate and what their cautious tone signaled to markets.

• Why mortgage rates follow the 10-year Treasury and MBS spreads—not the Fed funds rate.

• What this means for homebuyers, h...

In this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen break down one of the most overlooked pieces of mail Florida homeowners receive every year: the TRIM Notice.

They explain:

• What a TRIM Notice actually is (and why it’s not your tax bill).

• How mistakes on your assessed value can cost you thousands in property taxes.

• Why changes to your TRIM Notice can directly increase your monthly mortgage pa...

This week, Stephen Brock and Derick Brown break down the shocking jobs report that shook the markets and sent mortgage rates lower. What does this really mean for buyers, sellers, and realtors? Stephen explains why the bond market moves faster than the Fed, how labor data is finally showing cracks, and why this might be the opportunity buyers have been waiting for.

In this episode, you’ll learn:

• Why mortgage rates dropped imm...