UNDERSTANDING THE LOAN ESTIMATE AND CLOSING DISCLOSURE
In this Fast Track Friday session, Sylvia Sanders breaks down two of the most important documents in the mortgage process—the Loan Estimate (LE) and Closing Disclosure (CD). Whether you’re a realtor guiding clients or a borrower preparing to close, understanding these forms is critical to making confident financial decisions. Sylvia explains the differences between loan estimates and closing disclosures, highlights what fees lenders control (and what they don’t), and clarifies how to compare offers the right way. She also shares best practices for setting client expectations, reading between the lines on lender worksheets, and avoiding last-minute surprises at the closing table. With straightforward examples and actionable guidance, this session equips both agents and buyers with the knowledge to navigate closing costs, lender fees, and changing estimates with confidence.
PERMANENT & TEMPORARY INTEREST RATE BUYDOWNS EXPLAINED
In this episode, mortgage expert Sylvia Sanders breaks down the ins and outs of buy downs—both permanent buy downs and temporary buy downs—and how they can be powerful mortgage strategies for today’s real estate market. Whether you’re a buyer, seller, or agent, understanding these financing options can help you make smarter moves in a high interest rate environment. Sylvia explains the mechanics, pros, and cons of each type of buy down, plus how seller concessions can be leveraged to make homeownership more affordable. From the psychology of today’s buyers to tips for buyer education, she shares how agents can confidently guide clients, partner with lenders, and monitor opportunities to refinance when the time is right. If you’re thinking about home buying, navigating financing options, or simply want to stay ahead of the market, this conversation will give you the tools to turn “higher rates” into opportunity. What You’ll Learn: The difference between permanent and temporary buy downs How buy downs impact monthly payments and long-term savings Why seller concessions are a game-changer Strategies for real estate agents to present buy downs to clients Why focusing on payment—not just interest rate—can help buyers take action now
Fast Track Fridays - Agent Coaching Series: Leveraging Bridge Loans To Close More Business
Join Sylvia Sanders as she delves into the intricacies of bridge loans, a crucial tool for both listing and buyers' agents. Discover how these short-term loans can bridge the gap between buying and selling properties, offering solutions for clients looking to move quickly without the financial stress of dual payments. Sylvia shares insights on various bridge loan options, including interest-only and fully amortized loans, and highlights the benefits of non-contingent offers in competitive markets. Whether you're a seasoned agent or new to the field, this episode equips you with the knowledge to better serve your clients and navigate the complexities of real estate transactions. Tune in to become the problem solver your clients need!
