In this episode of The Smart Start Podcast, we sit down with mortgage experts Tom Toepfer and Gary Reiboldt from The Equitable Bank for a thoughtful discussion about today’s home lending landscape.  Insights from this episode include:Navigating Today’s Mortgage MarketHow to Remove Stress from the Homebuying ProcessWhat Makes Equitable Bank Stand Out for Home LoansTop Mortgage Tip for First-Time HomebuyersDo You Really Need 20% Down to Buy a Home?And more!Whether you’re preparing to buy your first home or exploring refinancing options, Tom and Gary explain what sets community banks apart, how to get ready for the mortgage process, and the importance of having a trusted advisor in your corner. Drawing on years of experience and a genuine commitment to helping clients succeed, they offer clear guidance, practical tips, and insights to help you move forward with confidence.  🎧 Listen now and take the first step toward winning your next home. And, don't forget to subscribe to our channel for more episodes like this one. 

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