Rachel Thorell's guest appearances

Rachel Thorell

Utah Real Estate Podcast

Scott Taylor

Steve Perry

Dan Lewis

Scott Stephenson

David Hodges

Jason Cook

Jimmy Rex

Spencer Taylor

Amy Brandt

Ben Hart

Natalie Castro

Misty Nielson

Adam Fitzgerald

Jordan Smith

Chris Hoffman

OwlTail

Citywide Home Loans LOAN OFFICERSNMLS # 252850   						Phone-alt   						Envelope   						Linkedin   						Facebook  Finding the Loan to Best Fit Your Home Buying Needs with Rachel Thorell Welcome to season three of the Utah Real Estate Podcast, where we chat about what’s going on in the world of real estate in Utah. Listen in to find out trends, real estate tips, and advice from seasoned Utah realtors. Today’s episode talks about the pros and cons of different loan programs with Rachel Thorell from Citywide Mortgage. Rachel educates us about the different types of loans, why you may not want to take out a conventional home loan, and red flags to look for when shopping around for a home loan officer. There is No Such Thing as a Perfect Mortgage “No two people are alike; everyone’s situation is different. What may be a good loan for you may not be a good loan for your sister or coworker.” Rachel recommends finding a mortgage lender that will take the time to find out what your needs are and look at your loan situation to figure out what that perfect loan looks like for you. Many people want a conventional loan, but you may find out that this type of loan isn’t the best loan for them when you dig in and ask them questions. Going a different direction may be in their best interest if this type of loan won’t get them qualified for a home purchase. Why Conventional Home Buying Loans are So Popular These are the types of loans you see advertised most often, so consumers are familiar with this type of loan. “A conventional loan will allow you to get into a home with 3% down.” The most significant difference is the requirement of mortgage insurance. With a conventional loan, you will be required to have insurance if you put less than 20% down and be removed once you attain 20% equity in your home. Many times, you can use your mortgage insurance payments to reduce your taxable income.   Different 100% Financing Options The Bond program through the state of Utah follows the guidelines and payment structure of the FHA but allows a second mortgage to be attached to create the 100% financing. VA is also an option for those in the military. If you have military status and are eligible, it’s another 100% funding program. Lastly, the USDA, or rural housing plan, can give you 100%, but you have to purchase in a zoned rural area. Find out the different alternative ways you can come up with a down payment for your next home and the red flags you want to avoid with a loan officer.   Links and Resources  Listen in to the Silver Dollar Academy Podcast  Visit Rachel at Citywide Home Loans on the web Give Rachel a call for your next home loan at 801.512.9200 Sign up for a Course at the Silver Dollar Academy Learn Effective Real Estate Techniques with the Nominations Secure a House for Your Home at Title One Spread the word of the Utah Real Estate Podcast and share this episode with a friend! Subscribe To Our Podcast Whether you are a first-time buyer, seasoned home owner, or real estate professional, our podcast will give you the tips on Utah’s real estate market.  Tune in on Tuesdays and Thursdays to listen and learn with our professional realtors and loan officers as they give us their best and most candid secrets to help you secure a house for your home. Subscribe Apple PodcastsGoogle PodcastsAnchorSpotifyRSSTuneIn                                             	jQuery(document).ready(function($) { 		 'use strict'; 		$('#podcast-subscribe-button-356 .podcast-subscribe-button.modal-637642062abb7').on("click", function() { 			$("#secondline-psb-subs-modal.modal-637642062abb7.modal.secondline-modal-637642062abb7").modal({ 				fadeDuration: 250, 				closeText: '', 			}); 			return false; 		}); 			 	});		 		 	 New Episodes An award-winning podcast series. Each Tuesday and Thursday, new episodes offer insights and tips from industry leaders, who help listeners secure a house for their home.      Template| 3-8 					March 8, 2021 Utah Real Estate Podcast Real Estate 					Comments Off on Template| 3-8 Company Name REALTOR LOAN OFFICERSNMLS # Phone-alt Envelope Facebook Linkedin Instagram Subscribe To Our Podcast Whether you are a first-time buyer, seasoned home owner, or real estate professional, our…   Hear More      Brian Pitcher | How to Rent and Manage a Four-Plex Property 					February 25, 2021 						Season 3 Utah Real Estate Podcast Duplex and Fourplex 					00:37:31 					Comments Off on Brian Pitcher | How to Rent and Manage a Four-Plex Property Prices have skyrocketed over the past 30 years. Home prices keep going up, and affordability has gone down. Consumers are also having issues coming up with the down payment…   Hear More https://reminisceaudio.blob.core.windows.net/utahrealestatepodcast/Brian_Pitcher_Podcast.mp3 Subscribe: Google Podcasts | Stitcher | TuneIn | RSS | More     JAMIE BLOMQUIST BELLESSA 					February 18, 2021 Utah Real Estate Podcast Interior Design 					Comments Off on JAMIE BLOMQUIST BELLESSA JAMIE BLOMQUIST BELLESSA February 18, 2021 Utah Real Estate Podcast Interior Design Comments Off on JAMIE BLOMQUIST BELLESSA designer 89 oak Phone-alt Envelope Facebook Instagram Blog Post Font Don’t…   Hear More      Rachel Thorell | Finding the Loan to Best Fit Your Home Buying Needs 					February 18, 2021 						Season 3 Utah Real Estate Podcast Loan 					00:26:53 					Comments Off on Rachel Thorell | Finding the Loan to Best Fit Your Home Buying Needs Today’s episode talks about the pros and cons of different loan programs with Rachel Thorell with Citywide Home Loans. Rachel educates us about the different types of loans, why…   Hear More https://reminisceaudio.blob.core.windows.net/utahrealestatepodcast/Rachel_Thorell_Podcast.mp3 Subscribe: Google Podcasts | Stitcher | TuneIn | RSS | More      1 2 3 … 21 ›    More Shows from Title One Inc. Since it opened its doors in 1993, Title One has been a leader in Utah’s title industry. In 2018 Title One started it’s first podcast with the mission to educate listeners on how to secure a house for their home.  In 2020 Title One received the “Podcast of the Year” award in the real estate category for Utah podcasts. Below are other series produced in Title One’s state of the art recording studio.        Utah Podcast Coalition   							Hosted ByTitle One Inc.			 Welcome to your directory Utah-produced podcasters in the Beehive State. Each episode is select for its excellent content, great interviews, and local culture. Listen Local Utah is brought…   Hear More      Silver Dollar Success Stories   							Hosted ByTitle One, Inc.			 The best remedy for sales realtor marketing fatigue is to use the most efficient tools and think outside the box to identify ways to appeal to your primary…   Hear More      Nominations Podcast   							Hosted ByTitle One Inc.			 Nominations Podcast is the premier resource for the Utah Real Estate Community. Our featured guests range from seasoned professionals to real estate rookies. Each nominee offers a unique…   Hear More The post Rachel Thorell | Finding the Loan to Best Fit Your Home Buying Needs appeared first on Utah Real Estate Podcast.

<h1><a href="https://www.citywidehomeloans.com/" rel="nofollow" target="_blank">Citywide Home Loans</a></h1> <h1>LOAN OFFICERS NMLS # 252850</h1> <a rel="noopener"> 						Phone-alt </a> <a href="mailto:%20rthorell@citywidehomeloans.com" rel="noopener"> 						Envelope </a> <a href="https://www.linkedin.com/in/rachel-thorell-b884b81a/" rel="noopener nofollow" target="_blank"> 						Linkedin </a> <a href="https://www.facebook.com/rachel.thorell.5" rel="noopener nofollow" target="_blank"> 						Facebook </a> Finding the Loan to Best Fit Your Home Buying Needs with Rachel Thorell Welcome to season three of the Utah Real Estate Podcast, where we chat about what’s going on in the world of real estate in Utah. Listen in to find out trends, real estate tips, and advice from seasoned Utah realtors. Today’s episode talks about the pros and cons of different loan programs with Rachel Thorell from Citywide Mortgage. Rachel educates us about the different types of loans, why you may not want to take out a conventional home loan, and red flags to look for when shopping around for a home loan officer. There is No Such Thing as a Perfect Mortgage “No two people are alike; everyone’s situation is different. What may be a good loan for you may not be a good loan for your sister or coworker.” Rachel recommends finding a mortgage lender that will take the time to find out what your needs are and look at your loan situation to figure out what that perfect loan looks like for you. Many people want a conventional loan, but you may find out that this type of loan isn’t the best loan for them when you dig in and ask them questions. Going a different direction may be in their best interest if this type of loan won’t get them qualified for a home purchase. Why Conventional Home Buying Loans are So Popular These are the types of loans you see advertised most often, so consumers are familiar with this type of loan. “A conventional loan will allow you to get into a home with 3% down.” The most significant difference is the requirement of mortgage insurance. With a conventional loan, you will be required to have insurance if you put less than 20% down and be removed once you attain 20% equity in your home. Many times, you can use your mortgage insurance payments to reduce your taxable income. Different 100% Financing Options The Bond program through the state of Utah follows the guidelines and payment structure of the FHA but allows a second mortgage to be attached to create the 100% financing. VA is also an option for those in the military. If you have military status and are eligible, it’s another 100% funding program. Lastly, the USDA, or rural housing plan, can give you 100%, but you have to purchase in a zoned rural area. Find out the different alternative ways you can come up with a down payment for your next home and the red flags you want to avoid with a loan officer. Links and Resources  Listen in to the Silver Dollar Academy Podcast  Visit Rachel at Citywide Home Loans <a href="https://www.citywidehomeloans.com/rachel-thorell/" rel="nofollow" target="_blank">on the web</a> Give Rachel a call for your next home loan at 801.512.9200 Sign up for a Course at the <a href="https://silverdollaracademy.com/" rel="nofollow" target="_blank">Silver Dollar Academy</a> Learn Effective Real Estate Techniques with the <a href="https://www.nominationspodcast.com/" rel="nofollow" target="_blank">Nominations</a> Secure a House for Your Home at <a href="http://www.titleone.net/" rel="nofollow" target="_blank">Title One</a> Spread the word of the Utah Real Estate Podcast and share this episode with a friend! <h2>Subscribe To Our Podcast</h2> Whether you are a first-time buyer, seasoned home owner, or real estate professional, our podcast will give you the tips on Utah’s real estate market.  Tune in on Tuesdays and Thursdays to listen and learn with our professional realtors and loan officers as they give us their best and most candid secrets to help you secure a house for your home. <a href="" rel="nofollow" target="_blank">Subscribe</a> <ul><li><a href="#!" rel="nofollow" target="_blank">Apple Podcasts</a></li><li><a href="#!" rel="nofollow" target="_blank">Google Podcasts</a></li><li><a href="#!" rel="nofollow" target="_blank">Anchor</a></li><li><a href="#!" rel="nofollow" target="_blank">Spotify</a></li><li><a href="#!" rel="nofollow" target="_blank">RSS</a></li><li><a href="#!" rel="nofollow" target="_blank">TuneIn</a></li></ul> 	jQuery(document).ready(function($) { 		 'use strict'; 		$('#podcast-subscribe-button-356 .podcast-subscribe-button.modal-637642062abb7').on("click", function() { 			$("#secondline-psb-subs-modal.modal-637642062abb7.modal.secondline-modal-637642062abb7").modal({ 				fadeDuration: 250, 				closeText: '', 			}); 			return false; 		}); 			 	});		 		 	 <h2>New Episodes</h2> An award-winning podcast series. Each Tuesday and Thursday, new episodes offer insights and tips from industry leaders, who help listeners secure a house for their home. <h2> <a href="https://utahrealestatepodcast.com/?p=2859" rel="nofollow" target="_blank"> Template| 3-8</a></h2> 					March 8, 2021 <a href="https://utahrealestatepodcast.com/author/utah-real-estate-podcast/" rel="nofollow" target="_blank">Utah Real Estate Podcast</a> <a href="https://utahrealestatepodcast.com/category/real-estate/" rel="category tag nofollow" target="_blank">Real Estate</a> 					Comments Off on Template| 3-8 Company Name REALTOR LOAN OFFICERSNMLS # Phone-alt Envelope Facebook Linkedin Instagram Subscribe To Our Podcast Whether you are a first-time buyer, seasoned home owner, or real estate professional, our… <a href="https://utahrealestatepodcast.com/?p=2859" rel="nofollow" target="_blank"> Hear More</a> <a href="https://utahrealestatepodcast.com/brian-pitcher-how-to-rent-and-manage-a-four-plex-property/" rel="nofollow" target="_blank"> </a> <h2> <a href="https://utahrealestatepodcast.com/brian-pitcher-how-to-rent-and-manage-a-four-plex-property/" rel="nofollow" target="_blank"> Brian Pitcher | How to Rent and Manage a Four-Plex Property</a></h2> 					February 25, 2021 						Season 3 <a href="https://utahrealestatepodcast.com/author/utah-real-estate-podcast/" rel="nofollow" target="_blank">Utah Real Estate Podcast</a> <a href="https://utahrealestatepodcast.com/category/duplex-and-fourplex/" rel="category tag nofollow" target="_blank">Duplex and Fourplex</a> 					00:37:31 					Comments Off on Brian Pitcher | How to Rent and Manage a Four-Plex Property Prices have skyrocketed over the past 30 years. Home prices keep going up, and affordability has gone down. Consumers are also having issues coming up with the down payment… <a href="https://utahrealestatepodcast.com/brian-pitcher-how-to-rent-and-manage-a-four-plex-property/" rel="nofollow" target="_blank"> Hear More</a> <a href="https://reminisceaudio.blob.core.windows.net/utahrealestatepodcast/Brian_Pitcher_Podcast.mp3" rel="nofollow" target="_blank">https://reminisceaudio.blob.core.windows.net/utahrealestatepodcast/Brian_Pitcher_Podcast.mp3</a> Subscribe: <a href="https://www.google.com/podcasts?feed=aHR0cHM6Ly91dGFocmVhbGVzdGF0ZXBvZGNhc3QuY29tL2ZlZWQvcG9kY2FzdC8" rel="nofollow" target="_blank">Google Podcasts</a> | <a href="https://www.stitcher.com/podcast/utah-fan-club-podcast/utah-real-estate-podcast" rel="nofollow" target="_blank">Stitcher</a> | <a href="https://tunein.com/podcasts/Business--Economics-Podcasts/Utah-Real-Estate-Podcast-p1156793/" rel="nofollow" target="_blank">TuneIn</a> | <a href="https://utahrealestatepodcast.com/feed/podcast/" rel="nofollow" target="_blank">RSS</a> | <a href="https://utahrealestatepodcast.com/securing-a-house-for-your-home/" rel="nofollow" target="_blank">More</a> <h2> <a href="https://utahrealestatepodcast.com/jamie-blomquist-bellessa/" rel="nofollow" target="_blank"> JAMIE BLOMQUIST BELLESSA</a></h2> 					February 18, 2021 <a href="https://utahrealestatepodcast.com/author/utah-real-estate-podcast/" rel="nofollow" target="_blank">Utah Real Estate Podcast</a> <a href="https://utahrealestatepodcast.com/category/interior-design/" rel="category tag nofollow" target="_blank">Interior Design</a> 					Comments Off on JAMIE BLOMQUIST BELLESSA JAMIE BLOMQUIST BELLESSA February 18, 2021 Utah Real Estate Podcast Interior Design Comments Off on JAMIE BLOMQUIST BELLESSA designer 89 oak Phone-alt Envelope Facebook Instagram Blog Post Font Don’t… <a href="https://utahrealestatepodcast.com/jamie-blomquist-bellessa/" rel="nofollow" target="_blank"> Hear More</a> <a href="https://utahrealestatepodcast.com/rachel-thorell/" rel="nofollow" target="_blank"> </a> <h2> <a href="https://utahrealestatepodcast.com/rachel-thorell/" rel="nofollow" target="_blank"> Rachel Thorell | Finding the Loan to Best Fit Your Home Buying Needs</a></h2> 					February 18, 2021 						Season 3 <a href="https://utahrealestatepodcast.com/author/utah-real-estate-podcast/" rel="nofollow" target="_blank">Utah Real Estate Podcast</a> <a href="https://utahrealestatepodcast.com/category/loan/" rel="category tag nofollow" target="_blank">Loan</a> 					00:26:53 					Comments Off on Rachel Thorell | Finding the Loan to Best Fit Your Home Buying Needs Today’s episode talks about the pros and cons of different loan programs with Rachel Thorell with Citywide Home Loans. Rachel educates us about the different types of loans, why… <a href="https://utahrealestatepodcast.com/rachel-thorell/" rel="nofollow" target="_blank"> Hear More</a> <a href="https://reminisceaudio.blob.core.windows.net/utahrealestatepodcast/Rachel_Thorell_Podcast.mp3" rel="nofollow" target="_blank">https://reminisceaudio.blob.core.windows.net/utahrealestatepodcast/Rachel_Thorell_Podcast.mp3</a> Subscribe: <a href="https://www.google.com/podcasts?feed=aHR0cHM6Ly91dGFocmVhbGVzdGF0ZXBvZGNhc3QuY29tL2ZlZWQvcG9kY2FzdC8" rel="nofollow" target="_blank">Google Podcasts</a> | <a href="https://www.stitcher.com/podcast/utah-fan-club-podcast/utah-real-estate-podcast" rel="nofollow" target="_blank">Stitcher</a> | <a href="https://tunein.com/podcasts/Business--Economics-Podcasts/Utah-Real-Estate-Podcast-p1156793/" rel="nofollow" target="_blank">TuneIn</a> | <a href="https://utahrealestatepodcast.com/feed/podcast/" rel="nofollow" target="_blank">RSS</a> | <a href="https://utahrealestatepodcast.com/securing-a-house-for-your-home/" rel="nofollow" target="_blank">More</a> <ul> <li>1</li> <li><a href="https://utahrealestatepodcast.com/wp-admin/admin-ajax.php?paged=2" rel="nofollow" target="_blank">2</a></li> <li><a href="https://utahrealestatepodcast.com/wp-admin/admin-ajax.php?paged=3" rel="nofollow" target="_blank">3</a></li> <li>…</li> <li><a href="https://utahrealestatepodcast.com/wp-admin/admin-ajax.php?paged=21" rel="nofollow" target="_blank">21</a></li> <li><a href="https://utahrealestatepodcast.com/wp-admin/admin-ajax.php?paged=2" rel="nofollow" target="_blank">›</a></li> </ul> <h2>More Shows from Title One Inc.</h2> Since it opened its doors in 1993, Title One has been a leader in Utah’s title industry. In 2018 Title One started it’s first podcast with the mission to educate listeners on how to secure a house for their home.  In 2020 Title One received the “Podcast of the Year” award in the real estate category for Utah podcasts. Below are other series produced in Title One’s state of the art recording studio.  <a href="https://utahrealestatepodcast.com/show/utah-podcast-coalition/" rel="nofollow" target="_blank"> </a> <h2> <a href="https://utahrealestatepodcast.com/show/utah-podcast-coalition/" rel="nofollow" target="_blank"> Utah Podcast Coalition</a></h2> 							Hosted ByTitle One Inc.			 Welcome to your directory Utah-produced podcasters in the Beehive State. Each episode is select for its excellent content, great interviews, and local culture. Listen Local Utah is brought… <a href="https://utahrealestatepodcast.com/show/utah-podcast-coalition/" rel="nofollow" target="_blank"> Hear More</a> <a href="https://utahrealestatepodcast.com/show/silver-dollar-success-stories/" rel="nofollow" target="_blank"> </a> <h2> <a href="https://utahrealestatepodcast.com/show/silver-dollar-success-stories/" rel="nofollow" target="_blank"> Silver Dollar Success Stories</a></h2> 							Hosted ByTitle One, Inc.			 The best remedy for sales realtor marketing fatigue is to use the most efficient tools and think outside the box to identify ways to appeal to your primary… <a href="https://utahrealestatepodcast.com/show/silver-dollar-success-stories/" rel="nofollow" target="_blank"> Hear More</a> <a href="https://utahrealestatepodcast.com/show/the-seo-show/" rel="nofollow" target="_blank"> </a> <h2> <a href="https://utahrealestatepodcast.com/show/the-seo-show/" rel="nofollow" target="_blank"> Nominations Podcast</a></h2> 							Hosted ByTitle One Inc.			 Nominations Podcast is the premier resource for the Utah Real Estate Community. Our featured guests range from seasoned professionals to real estate rookies. Each nominee offers a unique… <a href="https://utahrealestatepodcast.com/show/the-seo-show/" rel="nofollow" target="_blank"> Hear More</a> The post <a href="https://utahrealestatepodcast.com/rachel-thorell/" rel="nofollow" target="_blank">Rachel Thorell | Finding the Loan to Best Fit Your Home Buying Needs</a> appeared first on <a href="https://utahrealestatepodcast.com" rel="nofollow" target="_blank">Utah Real Estate Podcast</a>.

Rachel Thorell | Finding the Loan to Best Fit Your Home Buying Needs