In this episode of Actual* Experts, Lundie and Caitlin sit down with Kristin Ambos, CPO at Point Mortgage Corporation and the number one female loan officer in Wisconsin, to finally demystify home buying. We get into what a mortgage actually is (beyond “a loan with a fancy name”), how lenders decide what you can afford, and why your debt-to-income ratio and monthly payment matter way more than the interest rate (plus WTF that actually means).We cover:Should you buy or keep renting – and how to actually compare the twoWhat really happens if you sell before your 30-year mortgage is upThe truth about 0–20% down payments (and why 20% isn’t a magic rule)Refinancing, second mortgages & adjustable-rate mortgages (ARMs) – what’s smart, what’s riskyHow to avoid becoming “house poor” and blowing up the rest of your life for four wallsHow to find a good loan officer (and major red flags to run from)Kristin also shares why single women are outpacing single men in buying homes and the one thing she wishes every woman knew before signing on the dotted line.🎧 Listen, save, and send to the group chat – especially that friend who’s Zillow-scrolling at 1am.00:55 - Intro & Actual Stats13:55 - Meet Our Actual* Expert: Kristin Ambos15:45 - WTF Is a Mortgage (For Real)?20:00 - Living 'The Big Short' in real life29:00 - First-Time Buyer 101: What Kristin Looks At First31:30 - Debt-to-Income: How to avoid becoming 'House Poor'40:00 - Buy vs Rent: Which Makes Sense For You?50:00 - WTF is a "Good" vs "Bad" Housing Market - and should we be waiting for something specific?01:06:30 - Myth Busting: How much cash do you actually need to put down?01:16:00 - The Debrief01:23:00 - Sneak Peak: What’s coming next week (Trigger Warning)

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