Mortgage Queen Academy - All Things Home Loans, Credit, and Real Estate
All Things Home Loans, Credit & Real Estate breaks down the parts of homeownership no one ever explains, without the fluff or confusing jargon. Hosted by an experienced mortgage professional, Deborah Criddle also known as the Mortgage Queen, this podcast dives into home loans, credit strategy, real estate trends, and the financial decisions that shape your future. Whether you’re a first-time buyer, seasoned homeowner, real estate agent, or just trying to make smarter money moves, each episode delivers clear insights, real-world examples, and practical advice you can actually use. If you want to understand the “why” behind the numbers and feel confident navigating the path to homeownership and wealth, this is the show for you.
Episodes
14 episodes
Credit Reports In The Real World
In this episode, Deborah “The Mortgage Queen” breaks down one of the biggest misconceptions in home buying, credit scores. She explains why the scores you see on apps like Credit Karma or your credit card don’t match what mortgage lenders use, ...
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15:50
The Truth Behind Interest Rates
This epsiode breaks down the common misconception that Federal Reserve rate cuts directly lower mortgage rates. In reality, mortgage rates are driven by long-term factors like mortgage-backed securities and the 10-year Treasury yield, not the F...
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22:33
First Payments And Servicing Transfers
Learn everything you need to know about your first mortgage payment, avoiding late fees, paying ahead, managing escrow accounts, and understanding servicing transfers. Get practical tips to stay on top of your mortgage and protect your credit.
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15:57
Your Money And Where It Goes
This episode breaks down the financial side of buying a home, focusing on earnest money, escrow accounts, and how funds move during a real estate transaction. Listeners will learn what counts as valid funds, how title companies handle money, an...
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17:18
Basic Refinance 101
In this Refinancing 101 breakdown, Deb “The Mortgage Queen” walks through when refinancing makes sense, and when it absolutely doesn’t. From divorce and life changes to cash-out refinances, HELOC pitfalls, interest calculations, and break-even ...
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23:14
FHA Flipping Rule
The FHA flipping rule is one of the most misunderstood aspects of real estate investing. In this guide, Deb explains how FHA loans affect house flips, including the mandatory 90-day waiting period, dual appraisal requirements, and tips for real...
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15:27
Down Payment Assistance - Get into a home with only $500
In this podcast, Deborah breaks down down payment assistance options with a deep dive into the Idaho Housing program and how buyers can get into a home with as little as $500 out of pocket. She covers income limits, how the assistance loan work...
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8:07
Manufactured and Modular Home Loans
Manufactured homes and modular homes are often misunderstood, but they can be one of the smartest affordable housing options available today. In this podcast, Deborah breaks down the key differences between manufactured vs modular homes, how th...
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18:02
Home Loan Pre-Qualification Process
In this episode, Deborah goes into detail on every step of the pre-qualification process.
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16:38
Extra Costs You Didn’t Know You Were Paying
In this episode, Deborah explains Loan Level Price Adjustments (LLPAs). She talks about the cost that they are to borrowers, and the fact that most borrowers don’t even know they are paying for them. She also talks about the possibility of LLPA...
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10:38
Real Estate Is A Long Game
In this episode, Deborah teaches about DSCR investment loans, aka: loans that help you buy an investment property without providing any income documents. She uses real numbers, and shows you how to invest in real estate now, so you can benefit ...
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11:59
$10,000 LESS Purchase Price - What should I do with it?
In this episode, Deb is breaking down the question going around the internet: “What if we have a $10,000 less purchase price?” She gives different scenarios and uses real numbers to help you make informed decisions.
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13:44