The Lending Library
By Marketing
Categories: Education, Business
Most buyers find the home first and the mortgage second. That's backward, and it's how people lose the home they wanted. The Lending Library is a weekly show from a licensed mortgage team that helps people buy homes every day. We pass along what we've learned so you can skip the mistakes we've watched other buyers make: first-time buyers, down payment assistance, investment properties, moving out of California, impound accounts, and conversations with real estate agents, CPAs, and people who've been through it. Hosted by Jason Thibodeau, Non Producing Branch Manager, NMLS 296586; Angie Sandoval, VP of Mortgage Lending, NMLS 372058; and Mike Grambow, VP of Mortgage Lending, NMLS 1766492. OriginPoint LLC NMLS 2185899 · Branch NMLS 2322307 · Equal Housing Lender Licensing: originpoint.com/licensing · nmlsconsumeraccess.org
101 episodes indexed on PodSearch.
Recent episodes
- Zillow Can't You Approved
Think an online calculator or AI can tell you what home you can afford? Here's what it misses, and why a loan officer's answer is different.Jason Thibodeau and Angie Sandoval talk through who's buying a first home in coastal Southern California now, why the new appraisal form will slow appraisals…
- Welcome to The Lending Library Podcast
Most people find the house first and figure out the loan second. That's backward, and it's how buyers lose the home they wanted.The Lending Library is a show from a team of licensed loan officers. We explain how getting a mortgage actually works, in plain English, before you need it. Pre-approval…
- Ep.99 How to Use a 1031 Exchange to Build Long-Term Wealth
Send us Fan MailReal estate isn't just about buying and selling properties.It's about making smart decisions that help you build wealth over time.A 1031 Exchange is one of the most powerful tools available to real estate investors, allowing you to defer capital gains taxes while reinvesting into…
- Ep.98 What Most Home Buyers Don't Know About Pre-Approvals
Send us Fan MailBeing a great loan officer does not always mean winning every deal.Sometimes, doing the right thing means asking more questions, requesting more documentation, slowing down the process, and even losing business to someone willing to say yes faster.In this episode of The Mortgage…
- Ep.97 How They Saved a Real Estate Deal in Just 48 Hours
Send us Fan MailMost real estate transactions don't come with a 48-hour deadline.This one did.When a reverse 1031 exchange came down to its final two days, what seemed impossible quickly became a race against time. With multiple moving parts, unexpected roadblocks, and significant tax consequences…
- Ep.96 Why the Best Real Estate Professionals Play the Long Game
Send us Fan MailWhat does it really take to build a successful and lasting career in real estate?In this episode of The Mortgage Lounge, Jason Thibodeau sits down with Michele Kader, Publisher and Owner of Orange County Real Producers, and Michael Perisi, Owner of Mariners Escrow, following an…
- Ep.95 The Real Reason Most Business Owners Never Start Content
Send us Fan MailStarting content feels exciting… until it becomes overwhelming.In this episode of the Mortgage Lounge, Mike sits down with Corie Savery, producer and business partner behind Studio 9one9, to talk about the real challenges business owners face when trying to show up online.From…
- Ep.94 She Almost Didn’t Buy the House… Now She Owns Multiple Properties
Send us Fan MailBuying a home can feel overwhelming, especially when interest rates, uncertainty, and fear start creeping in. But what happens when you buy anyway?In this episode of the Mortgage Lounge, Mike Grambow sits down with mortgage loan officer Andrianna Felando talk about homeownership…
- Ep.93 He Didn’t Follow the Typical Real Estate Playbook
Send us Fan MailWhat does it actually take to build momentum in real estate… fast?In this episode of the Mortgage Lounge, Mike Grambow sits down with Winston Yeh of the Sackin Stone Team in Huntington Beach to talk about career pivots, relationship-based business, and what it really takes to grow…
- Ep.92 What Can Kill a Deal Last Minute
Send us Fan MailMost buyers think once you’re approved, the deal is done. It’s not.In this episode, Mike Grambow sits down with Rod Grishaber to break down one of the most overlooked parts of real estate, title and what can go wrong right before closing.From hidden liens to last-minute surprises…
- Ep.91 A Different Way to Succeed in Real Estate
Send us Fan MailWhat does it really take to build a successful real estate business… on your own?In this episode, Angie Sandoval sits down with Angie Rebennack, a top-performing agent in Long Beach who has built her business through consistency, systems, and genuine connection with her…
- Ep.90 The Reality Behind Building a $50M Real Estate Business
Send us Fan MailSuccess in real estate isn’t just about closing deals.It’s about what you do before anything starts working.In this episode, Mike Grambow sits down with Zach Mickelson, a 24-year-old agent who built over $50M in production while navigating the challenges most new agents never get…
- Ep.89 This Is Why Buyers Regret Waiting
Send us Fan MailIn this episode, Mike Grambow sits down with Laine Warthan to unpack one of the biggest mistakes buyers make in today’s market.They break down:✔️ Why timing the market rarely works✔️ How buyers slowly price themselves out✔️ What actually matters more than rates✔️ Why getting in the…
- Ep.88 From Struggle to Purpose: The Mindset That Builds Success in Real Estate
Send us Fan MailWhat does it really take to succeed in real estate and lending in California?In this episode of The Mortgage Lounge, Jason sits down with Israel Mazariegos, a loan officer based in Huntington Beach, California, to talk about the real journey behind success in real estate.This is…
- Ep.87 Why Waiting to Buy in Long Beach Could Cost You More Than You Think
Send us Fan MailWhat is really holding buyers back right now, market conditions, or fear?In this conversation, Jason sits down with Sarah Ireland of Ignite Real Estate Group to talk about what is happening in the Long Beach and Los Alamitos real estate market, why some buyers are still hesitating…
- Ep.86 The Truth About Marketing, AI, and Why Most Realtors Are Doing It Wrong
Send us Fan MailIs running ads really the answer, or are most businesses focusing on the wrong thing?In this conversation, Jason sits down with Ryan Hayes to unpack one of the biggest misconceptions in modern marketing, the idea that paid ads are the main driver of business growth. Ryan shares a…
- Ep.85 The Hidden Network Behind Boise’s Top Real Estate
Send us Fan MailWhat happens when real estate becomes about more than transactions?In this episode, Matt sits down with Tim Ganley of Boise Real Producers to talk about community, leadership, storytelling, and the deeper purpose behind bringing top real estate professionals together in the…
- Ep.84 What Nobody Tells You About Divorce and Real Estate
Send us Fan MailSelling a Home During Divorce, What Most People Don’t KnowDivorce is already emotional. Adding a home sale on top of it can make everything feel even heavier.In this conversation, Jason sits down with Lori McShane of Equity Union to talk about what really goes into selling a home…
- Ep.83 From California to Boise Building a Property Management Business With Purpose
Send us Fan MailWhat does it really take to start over in a new state and build a business from the ground up?In this episode, Matt sits down with Kyle of Keyrenter Boise to talk about his path from California manufacturing sales into property management, and how a major life transition led to…
- Ep.82 The Biggest First Time Buyer Mistake In 2026
Send us Fan MailFeeling scared, overwhelmed, or “semi broke” as a first time homebuyer is more common than people admit.In this conversation, I sit down with Matt Welch to talk about what really helps buyers move forward, even when the market feels confusing and the noise online feels nonstop…
- Ep.81 The Real Reason Most People Struggle With Confidence
Send us Fan MailSome journeys are about changing countries.Others are about discovering who you are.In this episode, Oleg Superov shares his path from Russia to the United States, and how that journey shaped not only his dance career but his philosophy on confidence, growth, and community.What…
- Ep.80 The Matrix, Alien Invasions and The Housing Market
Send us Fan MailIs the housing market really heading for a crash, or is the data telling a very different story?In this episode, Jason sits down with housing economist Steven Thomas to break down what’s actually happening with interest rates, home values, and inventory, especially in Orange County…
- Ep.79 Building Wealth Through Real Estate Starts With Action, Not Perfect Timing
Send us Fan MailIn this engaging conversation, Beatrix Whipple, founder of the Whipple Group, shares her journey from a background in competitive running to building a successful career in real estate.Beatrix talks about how personal experiences, discipline, and mindset shaped her professional…
- Ep.78 Mortgage Lending in 2026 Is More Precise, Not Harder
Send us Fan MailIn this episode of The Mortgage Lounge, I’m joined by Ashley Griffin as we break down what’s really changing in mortgage lending as we head into 2026, and what real estate agents and buyers need to understand to stay ahead.Lending hasn’t gotten harder. It’s gotten more precise.We…
- Ep.77 The Truth About Construction, Design, and Property Value
Send us Fan MailIn this conversation with Gonzalo, we get into what really separates a good project from a great one — and it has nothing to do with cutting corners. Gonzalo grew up in a family of builders, and that foundation shows in the way he approaches every home. His philosophy is simple: do…
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