Michael and Brady invite two mortgage specialists, Keena Gehringer and Brittney Morrison to break down how to choose the right mortgage in today’s market, when refinancing actually makes sense, and why waiting for “perfect” rates can cost more in the long run. You’ll learn how to think beyond interest rates, avoid common first-time buyer mistakes, and align your mortgage with your broader financial goals. Whether you’re buying your first home, moving up, or managing investment properties, this conversation delivers practical clarity you can act on with confidence.
Key Timestamps:
(00:00) - Mortgage market reality check
(03:00) - Understanding homebuyer goals
(06:00) - First-time buyer fundamentals
(09:00) - Understanding today’s interest rates
(12:00) - Waiting versus buying
(15:00) - Mortgage options beyond 30-year
(18:00) - Adjustable-rate mortgage explained
(21:00) - Down payment myths clarified
(24:00) - Refinancing purpose and timing
(27:00) - Using home equity wisely
(30:00) - Investment property loan strategies
(33:00) - When refinancing actually makes sense
(36:00) - Pre-approval versus pre-qualification
(39:00) - Managing your mortgage long-term
(42:00) - Aligning mortgages with life goals
Key Topics Discussed:
Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, Financial Wellness, Wealth Building, Financial Psychology, Financial Advisor, Finance Coach, Student Loan Debt, Finance Guidance for High Earners, Business Owner Finances, Hiring a Financial Advisor, Student Loan Forgiveness, Tax Strategies, Retirement Planning, Investing Strategies, Financial Guidance for High Earners, Smart Money Moves for High-Income Professionals, Tax, Wealth & Investment Strategies for Top Earners, Financial Planning for Doctors, Lawyers & Execs, Wealth Management Tips for High-Income Earners, Expert Advice on Taxes, Investing & Growing Wealth, High Earner Money Talk, Financial Wisdom for 6-Figure+ Entrepreneurs, Smart Strategies for Managing High Income, Taxes & Freedom for High-Earning Professionals, The Dave Ramsey Show, BiggerPockets Podcast, The Motley Fool Money Show, We Study Billionaires, ChooseFI, Afford Anything
Mentions:
Website: https://grandlinelending.com/
Website: https://www.genesiswealthplanning.com/
Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/
Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/
Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelraco
This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or Genesis Wealth Planning and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value.
Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Genesis Wealth Planning is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 7237198.27. Exp 2/28.
