Loans Elevated

What makes clients trust an agent so much that they stop shopping around?

Recorded live at our The Buyers You’re Not Helping event, this week’s Loans Elevated episode features Utah agent and investor Kyle Tucker on becoming the advisor clients turn to long before they’re ready to buy or sell.

Kyle shares how he builds lasting relationships, attracts investor clients through genuine connections, and helps people connect real estate to their bigger financial goals—including when to challenge a client’s original plan.

We also explore cash flow...

In this episode of the Loans Elevated podcast, we react to Codie Sanchez’s viral take claiming real estate is a bad investment compared to stocks. While sensational claims get views, omitting core financial principles paints a misleading picture for everyday buyers. 

We break down the actual math behind real estate vs. stock market growth over a 20-year horizon—including real Utah market data, the power of leveraged appreciation, and why real estate remains one of the most reliable vehicles for long-term wealth creation. 

In this episode, we cover:

Reacting to Codie Sanche...

Is AI coming for your job, or is it giving smart operators an unfair advantage? 💡 

In Episode 199 of Loans Elevated, we break down how AI is reshaping real estate and mortgage operations—from freeing up cognitive bandwidth to narrowing the gap between beginners and 20-year industry veterans. Plus, we react to viral takes on housing affordability, buying vs. renting, and how to leverage home equity for long-term wealth building. 

00:00 - Introduction
00:33 - Reaction: Is Owning a House Still Worth it? JL Collins on the Housing Trap
https://youtu.be/z7AAl6LYvfs?si=AWaRn9x...

The economy dropped 23,000 jobs, CPI inflation is cooling, and yet talk of interest rate hikes is still on the table. Welcome to the 2026 economic landscape! 

In this episode of the Loans Elevated Podcast, Broch and TJ sit down to analyze the disconnect between broad macroeconomic headlines and what is actually happening on the ground in local real estate markets. 

They react to a viral local story out of Eagle Mountain, Utah—where property taxes jumped 183% after a 16-year freeze—and address the controversy surrounding Meta’s 20-year tax incentive. They also examine how a hidden gig econ...

National headlines are screaming that we’re in the best buyer’s market in over a decade—so why are so many homebuyers feeling defeated? In this episode of the Loans Elevated podcast, presented by The Lassig Team, we dive into the split between media noise and the real estate reality on the front lines. 

We start off with a few hilarious Reddit reactions—including why buyers need to shop for long-term financing strategy over interest rates, plus a wild horror story about showing a tenant-occupied house. Then, we break down current 30-year fixed rate volatility, labor data dece...

Are temporary rate buydowns actually providing real relief for home buyers, or are they setting people up for failure years down the road? 

In this episode of the Loans Elevated Podcast, we take a deep dive into 2-1 temporary buydowns—the go-to sales strategy for home builders and industry professionals trying to move inventory in today's rate environment. We break down how these buydowns work, the critical differences between temporary and permanent buydowns, and why keeping cash for closing costs might actually be a safer move. 

Plus, we share our weekly mortgage market update, touch on f...

The Federal Reserve met again and opted to keep interest rates unchanged, keeping markets in a holding pattern as global tensions and inflation readings unfold. In this episode of Loans Elevated, we dive into what this rate volatility means for your mortgage options, address why buying down interest rates might not make sense right now, and react to Caleb Hammer's viral clip on whether renting beats buying in 2026. 

Plus, we reveal the ultimate AI stack every homeowner needs to automate maintenance, audit monthly bills, and track home equity effortlessly. 

Clip Credit: Reaction video featured in th...

Is the housing market broken, or are buyers missing the biggest opportunity of the last decade?

In this episode of the Loans Elevated Podcast, Broch Lassig sits down with Jack Andrews from Edge Homes (ranked in the top 0.4% of realtors nationwide) for an unvarnished, deep-dive discussion into the real state of real estate. 

They break down why housing subsidies are making a massive comeback, the truth behind builder incentives (like 3.99% fixed rates and 9% seller concessions), and why waiting for prices or interest rates to fall might be the costliest mistake you can make. 

...

In this episode of the Loans Elevated Podcast, we sit down with industry veteran Emily for an open, masterclass-level discussion on navigating high-level ambition, family life, and long-term career survival in real estate. 

Emily brings 20+ years of real estate experience to the table—from managing 75 concurrent new construction builds and scaling to principal broker in her 20s, to navigating the devastating 2008 crash overnight and stepping back into leadership. 

Whether you’re an agent, broker, loan officer, or business owner struggling with burnout and distraction, this episode delivers tangible frameworks for focus, leader...

Salt Lake City just sent shockwaves through the local housing market by passing major new restrictions on short-term rentals (STRs). Effective July 1st, the rules for Airbnb and Vrbo hosts have shifted toward heavier business regulation. 

In this episode of the Loans Elevated Podcast, we dive deep into what these changes mean for homeowners, local neighborhoods, and real estate investors. We break down the specific details of the ordinance—including the controversial 200-night annual cap, mandatory parking spaces, and safety inspections. 

We also share a cautionary tale of a past client down in St...

The standalone single-family home with a big yard and a white picket fence in a prime Wasatch Front neighborhood is officially a thing of the past. Post-COVID, Utah’s housing market entered parabolic, "hockey-stick" growth, shifting core metro areas closer to the reality of major hubs like Denver. 

But sitting on the sidelines waiting for a crash is only putting homeownership further out of reach. In Episode 191, we break down why shifting your mindset from a simple transaction to a long-term wealth strategy changes the game completely. If you want to win the game, you have to get...

Should you buy your next property in cash or aggressively pay off your current mortgage early?

On this episode of the Loans Elevated podcast, Broch and TJ look past the emotional "debt-free" headlines to break down the hidden risks of tying up all your liquidity in a single asset. Did you know that 40% of US homeowners are completely mortgage-free, and 27% of current buyers are paying in cash? While running away from a 6% or 7% interest rate sounds like an immediate return on paper, doing it at the expense of your liquid reserves can put you in a dangerously...

The playbook has officially been flipped on its head. In this episode of the Loans Elevated podcast, we break down the massive philosophical shift under new Fed Chair Kevin Warsh following his explosive first SEP press conference. From refusing to participate in the dot plot to declaring an end to forward guidance, Warsh is entirely changing how the financial markets operate. We discuss his direct, data-driven approach, his explicit acknowledgment that current policy is restricting the housing market, and the launch of new AI-backed task forces designed to completely modernize Fed analytics. 

Closer to home, we dive i...

In this week's episode of Loans Elevated, we are joined by an incredibly special couple who flew in just for this conversation: retired U.S. Army 3-Star General Doug Gabram and his wife Lori, an Army Veteran and combat nurse. Together, they share their raw, inspiring journey of military service, from dating in college and deploying to Desert Storm, to Lori's time as a head nurse treating the captured Black Hawk Down pilot, Michael Durant. 

But beyond the high-adventure stories, Doug and Lori expose a shocking reality that affects military families across the nation: a massive gap i...

The Big Lie About Utah’s Data Centers? Are Utah’s massive new data center projects an environmental threat to our natural resources, or the biggest economic opportunity of the decade?

In this episode of the Loans Elevated podcast, Broch sits down with land preservation expert, real estate developer, and former Chair of the Quality Growth Commission, Jarren Davis. Together, they pull back the curtain on the massive AI and data center boom taking over Utah, including the highly controversial Kevin O’Leary project. 

Jarren breaks down the real numbers behind closed-loop water systems...

Why didn't ChatGPT rank a top 1% national mortgage team as the best in Utah?

In this episode of the Loans Elevated Podcast, we sit down with Kimber Walton, a Keller Williams expert obsessed with AI, research, and understanding what the tech revolution means for real estate professionals. If you’ve ever felt overwhelmed by the sheer volume of new AI tools, this conversation is the filter you've been looking for. 

They pull back the curtain on why traditional SEO is shifting, how Google's newest review guidelines might actually be penalizing your business growth, and...

The Federal Reserve just entered a brand-new era with the swearing-in of Kevin Warsh as Chairman. But the transition is anything but standard. Former Chair Jerome Powell is pulling a rare move not seen since 1948, refusing to leave the Fed completely and staying on as a governor.

In this week's episode of Loans Elevated, the Lassig Team breaks down this historic, razor-thin 54-45 Senate vote and what it means for your wallet. We contrast Powell’s reactive, "rear-view mirror" leadership style with Warsh's proactive, hawkish "windshield" approach. More importantly, we dive into the data to explain why st...

Are you shopping for a mortgage based only on getting the lowest interest rate and monthly payment? You might be walking straight into a predatory lending trap. 

In this week’s episode of Loans Elevated, we strip away the emotional manipulation of the mortgage industry and break down the tactical, holistic reality of how loans are actually structured. Discover why standard billboard rate quotes often hide tens of thousands of dollars in sneaky upfront fees, how to spot an unbinding pre-contract "loan summary" bait-and-switch, and why buying down your interest rate might actually be lighting your family's mon...

Self-employed buyers often get blindsided during the mortgage process — not because they don’t make enough money, but because of how their taxes are structured.

In this episode, we sit down with CPA and real estate tax strategist Dan to break down:

 Why tax write-offs can hurt mortgage approval  Bank statement loans vs conventional financing  Cost segregation & real estate tax strategies  Real estate professional status explained  The biggest mistakes business owners make before applying for a mortgage  How CPAs and lenders should work together 

If you’re self-employed, investing in real estate, or advising clients who are, this epis...

Most self-employed borrowers assume they don’t qualify because their tax returns don’t show enough income.

But what if the problem isn’t your income… it’s how lenders are measuring it?

In this episode, we break down how bank statement loans work, why they can be a game-changer for business owners, and how holistic mortgage planning can dramatically increase buying power.

We also walk through a real scenario where a borrower went from showing $30K/year on tax returns to qualifying with over $84K/month in income using bank statements.

If you’r...

What does it actually take to build something that lasts in real estate?

In this live episode of the Loans Elevated Podcast, recorded at the Hale Centre Theatre, we sit down with Steve Maddox — the founder of Edge Homes — to talk about his journey from real estate agent to building one of the largest homebuilding companies in Utah.

This conversation goes far beyond tactics.

Steve shares what shaped his approach to business, the lessons he learned along the way, and how shifting from thinking like an agent to thinking like a business owner chan...

Most buyers are chasing the same move-in ready homes and losing.

But what if the best opportunity in today’s market is the one that needs work?

In this episode, we break down how renovation loans are helping buyers get into better homes, better locations, and create equity from day one… while giving agents a way to unlock inventory and create deals that wouldn’t exist otherwise.

If you’re feeling stuck in this market, this is a strategy worth understanding.

What You’ll Learn

 Why overlooked homes are becomin...

Mortgage rates were expected to fall… but instead, they spiked.

In this episode, we break down what’s really happening behind the scenes — and why this market could actually create opportunity for buyers who know how to play it right.

We dig into:

 Why mortgage rates are rising (even during global conflict)  How oil prices are impacting inflation — and your payment  What this means for buyers, sellers, and refinances  The mistake most people make trying to “time the market”  Best case vs worst case scenarios moving forward 

The reality? Most people are reacting emotionally right now...

Most agents are still building their business by chasing the next deal.

Cold calls.
Open houses.
Buying leads.

It works… until it doesn’t.

In this episode, Dustin Brohm breaks down the shift from chasing business to building a system that attracts clients instead.

No gimmicks.
No shortcuts.
Just what’s actually working right now.

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🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions w...

Most people think the Great Salt Lake is just an environmental issue.

It’s not.

This is a public health risk, an economic risk, and a real estate risk for the entire state of Utah.

In this episode, we sit down with Josh Romney to break down what’s actually happening — and what it means for homeowners, investors, and the future of Utah.

We cover:

 The real risks most people aren’t aware of  How this could impact where people choose to live  Why the next few years are critical ...

If you had enough cash to buy a house outright… would you?

Most people say yes.
But the wealthy do the opposite.

In this episode, we break down why high-net-worth individuals and billionaires still choose to finance real estate—and what that reveals about leverage, liquidity, and long-term wealth strategy.

We cover:

 Why paying cash isn’t always the smartest move  The real difference between good debt and bad debt  How liquidity creates opportunity (and reduces risk)  Why equity alone doesn’t build wealth  A simple mindset shift that changes how you view mortgage...

Most people don’t have a content problem.
They have a communication problem.

And it’s costing them attention, trust, and real business.

In this episode of the Loans Elevated Podcast, we sit down with Neel Dhingra to break down why most content gets ignored—and what actually makes people pay attention in today’s market.

We go beyond surface-level tactics and into what really drives results: framing, positioning, and intentional communication.

If you’re a realtor, loan officer, or business owner trying to grow your brand, this episode will challenge...

For years, people have been predicting a housing crash.

But when you actually look at the data, the story is very different.

In this episode of the Loans Elevated Podcast, we break down why a 2008-style housing crash is extremely unlikely in Utah and what the numbers are really showing about the housing market today.

We cover:

What actually causes real estate crashesWhy the 2022–2025 housing market was the ultimate stress testThe real story behind inventory and demand in UtahWhy foreclosure headlines can be misleadingThe one potential “gray swan” risk that could...

Reverse mortgages might be the most misunderstood financial tool in housing and retirement planning. In this episode, we break down what they actually are, where the bad reputation came from, and how sophisticated investors and financial planners are starting to use them strategically.

We cover why reverse mortgages create flexibility in retirement, how they can unlock liquidity without forcing homeowners to sell assets, and why wealthy individuals often prefer debt over spending their own cash.

Instead of viewing mortgages in isolation, we dive into the concept of Holistic Mortgage Planning™️, looking at y...

We received a comment that said:

“Realtors and mortgage brokers are the most overvalued occupations in the country… I pray they all lose their jobs.”

So we decided to address it head-on.

In this episode of Loans Elevated, the three of us break down:

Are mortgage lenders and real estate agents actually overpaid?The real problem with low-barrier-to-entry industriesWhy “drive-through mortgages” create bad experiencesHow AI will eliminate paper pushersWhy strategy is what truly mattersThe difference between order takers and real consultantsHow the wrong advice can cost you $50,000+ in just two years

We explain...

Crypto is down. Markets are volatile. Headlines are loud, but does that mean the housing market is next to crash?

In this episode of the Loans Elevated Podcast, we break down:
• Why crypto and housing don’t move together
• What actually slowed real estate in 2022
• How housing behaves in recessions
• Why fundamental demand keeps housing different than stocks or commodities
• What this means for buyers, sellers, and investors right now

No hype. Just clarity.

🔗 Want a personalized strategy review? Visit: LoansElevated.com

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...

Real estate investing isn’t about chasing cash flow, and that misconception is why most investors never build real wealth.

In this episode, Broch and Jack Andrews unpack the 4 Pillars of Real Estate Wealth and explain how experienced investors evaluate deals differently than the average buyer.

They explore:
 • Why cash flow alone can be misleading
 • How appreciation and equity create long-term leverage
 • The overlooked power of tax strategy and depreciation
 • Cost segregation and accelerated write-offs
 • 1031 exchanges and generational planning
 • Risk management, liquidity, and staying solvent
 • Why planning beats speculat...

The Utah housing market has been stuck in an unusual place, not booming, not crashing, just… running in place.

In this episode of the Loans Elevated Podcast, we break down the 2026 Utah housing outlook using real market data and recent economic trends. Despite loud headlines predicting a crash, the numbers tell a calmer story: prices are mostly flat, sales volume is low, and pent-up demand is quietly building underneath the surface.

We cover:
 • Why Utah home prices have barely moved since 2022
 • The impact of historically low transaction volume
 • Why sellers...

Most people hire a realtor or lender based on price, rate, or commission.

That decision can quietly cost them years of financial progress.

In this episode, we expose the uncomfortable truth about experience in real estate and mortgage lending and why transparency matters more than ever.

We cover:

The shocking breakdown of agent productivityWhy cheap commission often leads to worse outcomesHow inexperienced lenders create massive long-term riskThe power of holistic mortgage planningA real story that proves liquidity beats low payments

If you’re buying, selling, or advising cl...

Mortgage rates are falling, and refinances are booming.

But for many homeowners, refinancing isn’t the best solution.

In this episode, we break down a powerful but often ignored strategy: selling and rebuying to reset your financial life.

Using real-world math, we explain how homeowners are:

Paying thousands each month in unnecessary consumer debtSitting on trapped equity, they don’t know how to accessMaking emotional decisions instead of strategic ones

We also discuss why:

Mortgage debt is fundamentally different from credit card debtHomeownership creates leverage that renters may neve...