In today's challenging housing market, many homeowners are finding themselves in a difficult position—falling behind on mortgage payments and entering forbearance. But what happens when the forbearance period ends, and they can't qualify for a loan modification? With banks foreclosing on properties that hold substantial equity, homeowners are left with limited options. In this episode, we’ll explore practical solutions to help you avoid foreclosure and protect your financial future. We’ll also ...

In this episode of Real Loan Talk, we dive into the world of first-time homebuyer programs with our special guest, Christine Foreman, a seasoned Home Loan Officer with over 25 years of experience. Christine is part of the team at SJ Morgan Private Lending Exchange, where she excels in guiding clients through the complexities of the mortgage industry. Christine's expertise is unmatched when it comes to helping both first-time buyers and seasoned homeowners find the right loan program. With a cli...

In this episode, we are thrilled to welcome Deonna Price, a distinguished Realtor with over 20 years of experience and certified Senior Real Estate Expert. Deonna has dedicated her career to helping seniors and their families navigate the complexities of the housing market, ensuring they find the perfect living arrangements for their golden years. Deonna brings a wealth of knowledge on topics such as downsizing, transitioning to retirement communities, aging in place, and estate planning. Her c...

In this episode of "Real Loan Talk with Sonya," we chat with Joe Morgan, a seasoned private money lender and co-owner of SJ Morgan Private Lending Exchange, about the appeal of investing in private money notes. Discover why our guest prefers this investment strategy, the benefits it offers, and the key risks to watch out for. Whether you're an investor or a mortgage professional, gain valuable insights and practical tips to navigate the world of private money notes. Tune in for a concise and inf...

Join us for the debut episode of Real Loan Talk, hosted by Sonya Morgan as we chat with Jim Graham, a veteran private money investor, about the ins and outs of funding private money notes. Jim shares his expert insights on what he looks for when evaluating notes, including borrower credibility, property value, and loan-to-value ratios. Tune in to learn: - The basics of private money notes. - Jim's top criteria for funding. - Real-life examples from Jim's portfolio. - Tips for new investors enter...