Video advice from Patrick Gallagher
Straight answers to the questions borrowers actually ask
Short videos on the housing market, rates, down payments, insurance, underwriting and the rules that shape your loan. Each video is color-coded by topic, and tagged Evergreen when the advice holds any time, or Timely when it speaks to conditions at the time it was recorded.
Waiting for a Housing Crash?
Eighty-four years of home price history, what really caused 2007, what waiting for a 20 to 40% drop could cost you, and why real estate is local.
Watch the episode →
Your Mortgage Rate Alone Tells You Nothing
Two quotes with the same rate can be more than $8,000 apart. Here’s how to check the condition of the car before you buy it.
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Coming up
- How much do you really need for a down payment?
- Gift funds and getting your assets ready for underwriting
- Shopping for homeowners insurance before you close
- What underwriters look for, and how to avoid surprises
- What actually moves mortgage rates
- Rule changes that affect your loan
Have a question you’d like answered?
Send it in. It might become the next episode, and you’ll get a straight answer either way.
Exhale & Learn videos are general education, not personal financial, tax or legal advice. Every situation is different, so talk with us about yours. Patrick Gallagher, NMLS #1495210 · Exhale Lending, NMLS #2493601 · Equal Housing Opportunity.
Exhale Lending is a mortgage brokerage firm that embodies trust, transparency, and a genuine desire to help clients achieve financial serenity. With our client-centric approach, expertise, and unwavering commitment to excellence, Exhale Lending is poised to make a meaningful impact on the journey towards homeownership for individuals and families alike.
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Exhale Lending, L.L.C.
Equal Housing Opportunity
Office Location
Cary, NC 27511