8 Mortgage Secrets Smart Agents Use to Close More Deals

Welcome back to America's #1 Daily Podcast, featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris? Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206.

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Most buyers think the only way to purchase a home is the “standard” 30-year fixed loan with 20% down. But in today’s market, that’s far from the only option. Smart agents know the menu of alternatives — and how to match clients with the right product.

Knowledge = confidence, and ignorance = fear, so let’s build your confidence with this guide.

HUGE Announcement: You will love this! Looking for the full outline from today's presentation? Our DAILY Newsletter featured lead generation systems, real estate scripts, daily success plans and (YES) the notes or today's show. Best part? The newsletter is free! https://harrisrealestatedaily.com/

00:00 – Intro: Why knowing more than the “30-year fixed” makes you a smarter agent
01:15 – 1️⃣ Adjustable-Rate Mortgages (ARMs) – Lower initial rates, great for short-term buyers
03:45 – 2️⃣ FHA Loans – Low down payment options for first-time buyers
06:00 – 3️⃣ VA Loans – $0 down for veterans and service members
08:20 – 4️⃣ Renovation Loans – Combine purchase and upgrades into one
11:00 – 5️⃣ Asset-Based Loans – Approvals using savings and investments
13:20 – 6️⃣ Doctor & Professional Loans – Special programs for high earners
15:40 – 7️⃣ Assumable Loans – Taking over low-rate mortgages
18:00 – 8️⃣ Mortgage Porting – Rare in the U.S. but worth knowing
20:00 – 🎯 Conclusion: Knowledge = Confidence — guiding clients with clarity
22:00 – 👉 Homework: Host a seminar, record, repurpose, and generate leads
24:00 – Wrap-up & Call to Action: Subscribe for more strategies