The Uninvited House Guests Podcast

On Episode 13 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKeys respond to housemail in which the writer is face with choosing down payment assistance over a new job . Then they jump into a news article about starter homes quickly becoming a thing of the past.

On Episode 12 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKeys respond to housemail about PMI. Then Joy takes us to school about Loan Level Pricing Adjustments.

On Episode 11 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKey respond to the HouseMail question "if we both apply will we get a higher approval amount?” During Mortgage Points they discuss Zillow ranking Charlotte #1

On Episode 10 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKey respond to the HouseMail  question "my lease is up this summer when should I start my search?".  During Mortgage Points they discuss recent Wells Fargo headlines.

On Episode 9 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKeys respond to HouseMail with 8 actionable tips that you can take to be ready to purchase a home in 2023.

On Episode 8 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKeys discuss the financial mindset needed to be a homeowner. In the HouseMail segment they respond to a potential homebuyer and his significant other on if they can purchase a home with $1700 in monthly car payments. 

On Episode 7 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKeys talk through a situation where a potential homebuyer hasn't paid taxes in 2 years. They also discuss which real estate professional (lender or realtor) you should seek out first.

On Episode 6 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKeys discuss layoffs and its effects on potential homeowners. They also talk about new reports on rising cost to rent a home in Charlotte.

On Episode 5 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKeys discuss ways homebuyers can creatively lower their mortgage increase rate in the current market using a 2-1 buydown, assumable loan, or adjustable rate mortgage. They also talk about the latest Federal Interest Rate increase. 

On Episode 4 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKeys discuss the current market and news/headlines of a crash.

On Episode 3 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKeys dig into the Preapproval process and rising interest rates.

On Episode 2 Joycelyn Bailey @the_mortgage_bawse and Tony Stanford Jr @YourOwnKeys talk about the always trending topic of Renting vs Owning. They also discuss rumors of a recession.

On Episode 1 Joycelyn Bailey also known as the_mortgage_bawse and Tony Stanford Jr also known as Mr. Your Own Keys dig into the Bank of America announcement that had Social Media on fire. We also talk about the President's student loan forgiveness and how that translates to buying power.

The Uninvited House Guests Podcast is a collaboration between 𝑱𝒐𝒚𝒄𝒆𝒍𝒚𝒏 𝑩𝒂𝒊𝒍𝒆𝒚 also known as the_mortgage_bawse and Tony Stanford Jr also known as Mr. Your Own Keys two real estate professionals on a journey to bridge the homeownership gap in the United States. The idea for this podcast came after they were both guests on a Charlotte based podcast where they spoke about the current real estate market.