RE-Charging with Champions
A place for Real Estate professionals to share creative ideas, marketing, and energy; becoming the best in our business together. Realtors and Lenders alike will be RE-Charged and ready to grow their business with these great conversations, leadership, and education. I believe that we can make our industry FUN through creativity, fresh ideas, and community! The views expressed by featured guests and speakers are not those of Atlantic Bay Mortgage Group L.L.C. Information is for educational purposes only and should not be relied on by you. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.
Episodes
In this episode of "Recharging with Champions," Charlotte Harrill delves into the world of interest rates and how they impact your mortgage payments. Using a $350,000 loan as a foundation, she illustrates how changing interest rates can drastically affect the principal and interest components of monthly payments.
Charlotte offers detailed comparisons of monthly payments at various interest rates, from the historic lows of 4% to the...
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In this episode of Recharging with Champions, host Charlotte Harrill tackles the frequently asked questions about escrow accounts in the realm of homeownership. She explains that a mortgage escrow account is managed by the mortgage servicer to ensure there's sufficient funds to cover taxes and insurance payments ...
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In this episode of "Recharging with Champions," we delve into the world of escrow accounts and why they are favored by mortgage companies. Escrow accounts ensure the timely payment of taxes and insurance, providing peace of mind for both lenders and homeowners. By sharing real-life stories, such as John's experi...
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In this episode of Jumpstart, we delve into the essential differences between a home appraisal and a home inspection. Often confused as one and the same, these two assessments serve distinct purposes in the home buying process.
An appraisal primarily focuses on determining the value of the property to satisfy len...
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Welcome back to RE-Charging with Champions! I’m Charlotte Harrill, and in today’s episode, we’re diving into a Monday Memory that hits home for sellers who like to do their homework. Imagine you’ve ordered an appraisal before listing, confident it’ll set the perfect price, only to find out the buyer’s lender can’...
Register for the FREE toolkit with graphics and easy posts based on this podcast! https://forms.office.com/r/kLg4K2VaKF Hey, Champions! Today’s Thursday Trivia is a quick tip that can help you (and your clients!) dodge a bit of appraisal heartache. Did you know that for FHA, VA, and USDA appraisals, the water needs to be turned on, not just at the meter but also flowing in the house? That’s right, and it’s essential to avoid an ext...
Register for the FREE toolkit with graphics and easy posts based on this podcast! https://forms.office.com/r/kLg4K2VaKF Welcome back to RE-Charging with Champions! I’m Charlotte Harrill, and in today’s episode, we’re diving into a Monday Memory that hits home for sellers who like to do their homework. Imagine you’ve ordered an appraisal before listing, confident it’ll set the perfect price, only to find out the buyer’s lender can’t...
Register for the FREE toolkit with graphics and easy posts based on this podcast! https://forms.office.com/r/kLg4K2VaKF Today’s episode of Jumpstart on RE-Charging with Champions is all about the often-overlooked closing costs that can catch first-time homebuyers by surprise. Imagine spending months building your credit, saving for emergencies, and feeling ready to buy… only to find out last minute that zero-money-down doesn’t mean...
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Join us this Thursday as we delve into an important topic: the impact of major credit events, such as bankruptcies and foreclosures, on the home-buying process. Our trivia for the day focuses on the possibilities of purchasing a home after a Chapter 7 bankruptcy discharge.
Discover how the FHA program can provid...
This episode delves into the concept of short sales, an alternative to foreclosure for homeowners facing financial difficulties. Learn what a short sale is and why someone might choose this option over foreclosure.
We explain the process of applying for a short sale, including the necessary documentation and the importance of demonstrating financial hardship. Discover why a short sale can be a more favorable option, with a shorter ...
In today's episode of Recharging with Champions, we tackle the dreaded "F word" in the mortgage world: foreclosure. Financial hardships can affect anyone, but experiencing a foreclosure doesn't mean the end of your homeownership dreams. Join us as we offer two insightful tips that you can share on social media to help others navigate life after foreclosure.
Our first tip highlights the leniency of FHA loans, allowing individuals to...
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In this episode of "Recharging with Champions," we explore the journey of overcoming financial hurdles and finding hope in the face of adversity. Our host emphasizes the importance of understanding that bad financial events can happen to good people and highlights a path forward for those who have faced setback...
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In this week's episode of Thursday Trivia, we dive into the perplexing world of credit, a topic that often defies common sense. Discover why actions you might assume would boost your credit score could, in fact, do the opposite. We tackle a true or false question that challenges a widely held belief: does paying...
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In this episode of your daily jumpstart, I tackle the often-misunderstood topic of credit pulls and their impact on your credit score. Ever wondered when it's okay to have your credit checked multiple times without harming your score? We dive into the specifics of when multiple inquiries can be detrimental and wh...
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Welcome to "Recharging with Champions," your daily jumpstart with host Charlotte Harrill. In this episode, we dive into the crucial aspects of managing your credit score effectively. Understanding the hidden pitfalls of credit can save you from unexpected drops in your score.
First, we explore the importance o...
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In this episode of Recharging with Champions, we dive into the often misunderstood world of credit scores and their impact on home buying. Our host sheds light on the real credit requirements for purchasing a house and dispels common myths that hold potential homeowners back. Learn about the unique credit evalua...
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Welcome to the Thursday edition of "Re-charging with Champions," hosted by Charlotte Harrill. In this episode, we dive into the world of real estate trivia, focusing on the financial decisions faced by non-first-time homebuyers. Learn whether you need to use all the proceeds from selling your current home to purc...
In this episode of "Recharging with Champions," host Charlotte Harrell breaks down the complex concept of interest rate buy-downs, making it accessible for real estate agents and first-time homebuyers. Discover how paying upfront interest can reduce your long-term mortgage rate and save money over time.
Charlotte provides a clear explanation using practical examples to illustrate how buy-downs work and when they might be b...
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Tune into this episode of 'Re-charging with Champions' hosted by Charlotte Harrill to discover different mortgage options for non-first time homebuyers. Learn about various programs that require low or no down payments such as USDA, VA, FHA, and conventional loans. Stay top of mind and relevant by sharing these valuable insights ...
Welcome to "Recharging with Champions," your Daily Jumpstart with host Charlotte Harrill. In this Wednesday episode, we delve into the concept of bridge loans, a financial tool designed to aid homeowners in transitioning from one property to another.
This episode focuses on affordability solutions for those who are not first-time buyers but are looking to purchase a new home while still owning their current one. Bridge loans offer ...
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