#AskElla SHOW

About #AskElla SHOW

Hi, I'm Ella Gurfinkel, your host of the AskElla Show and senior loan officer at Fairway Independent Mortgage. On my podcast, I cut through the noise to bring you honest conversations about real estate, mortgages, and financial planning. I interview industry experts to tackle everything from homebuying basics to complex topics like reverse mortgages, trusts, and market trends. With decades of experience, I'm passionate about dispelling myths and providing clear, actionable advice. Whether you're buying your first home, refinancing, or planning for retirement, I'm here to help you make informed decisions. Join me for straightforward talk about real estate and beyond!

Publisher

Ella Gurfinkel

Category

education · news

Language

en

Explicit

No

First episode

13 Mar 2025

Latest episode

1 Oct 2026

Latest episodes

58 episodes in the feed.

1. 

   1 Oct 2026

   Co-Living Investing: How Individual Owners Beat Institutional Funds | Rahima Blaza

   What if a real estate investment could generate returns while also creating community and giving people a real second chance? In this episode of the Ask Ella Show, I sit down with Rahima Blaza of Banana Split Club to explore a very different approach to co-living, real estate investing, and shared housing. Banana Split Club isn't simply about renting rooms. Rahima's vision is to create homes where residents can stay longer, build relationships, and become part of a community while investors participate in a growing alternative housing model. We talk about how Banana Split Club grew out of Rahima's experience in real estate investing and wholesaling, why she wanted to build something with a stronger human purpose, and how housing can become part of helping people rebuild their lives. But this conversation goes much further than co-living. We get into financial literacy, homeownership, creative mortgage financing, DSCR and Non-QM loans, AI in lending, and whether traditional mortgage companies are prepared for the next generation of real estate models. If you're interested in real estate investing, co-living, creative financing, or the future of housing, this conversation offers a perspective you probably won't hear in a traditional real estate discussion. This isn't only about where people live. It's about whether profit, ownership, community, and purpose can exist in the same model. 💡 In This Episode, We Cover: How the Banana Split Club co-living model works Why community can be just as important as housing How Rahima moved from real estate investing and wholesaling into co-living The investment opportunity behind shared housing Why Rahima believes profit and purpose don't have to be opposites How housing can support people rebuilding after incarceration or other major life challenges Banana Split Club's reported experience with recidivism among its residents Why financial literacy can change someone's path toward homeownership Whether the American dream of owning a home is still achievable Why traditional mortgage lending can struggle with emerging real estate models How Non-QM financing may fit alternative housing investments How DSCR loans work for real estate investors Why creative financing is becoming increasingly important How AI is changing mortgage lending Why human judgment and problem-solving still matter in the mortgage process What the future of individual real estate ownership could look like One of the biggest ideas Rahima shares is that making money and doing good don't have to compete with each other. A profitable investment can create the resources to help more people, while innovative ownership and financing models may create opportunities that traditional housing doesn't always provide. 🎯 Want to understand your financing options for a home or real estate investment? 👉 https://www.fairway.com/lo/ella-gurfinkel-188161 (https://www.fairway.com/lo/ella-gurfinkel-188161) The future of real estate may not look exactly like the past. The important question is whether our financing models can evolve with it.

2. 

   15 Sept 2026

   Why 27% of New Home Buyers Are Already Underwater

   A 3.99% mortgage rate sounds like an incredible deal. But what if you're actually paying for that low rate somewhere else? In this episode of the Ask Ella Show, I sit down with mortgage professional Giancarlo Anduray to break down the mortgage deals, lending mistakes, and real situations that can turn an attractive offer into a very expensive financial decision. We talk about builder incentives, interest rate buydowns, down payment assistance, automated underwriting, credit scores, home equity, retirement assets, and why asking "What's your rate?" may be the wrong place to start when choosing a mortgage. After more than 30 years in the mortgage industry, I've learned that getting a borrower approved is only part of the job. The bigger responsibility is understanding the entire financial picture and structuring financing that still makes sense after closing day. If you're buying a home, comparing lenders, considering new construction, or trying to understand which mortgage option actually saves you money, this conversation is for you. This isn't about finding the lowest mortgage rate. It's about understanding what that rate is actually costing you. 💡 In This Episode, We Cover: Why a builder offering 3.99% doesn't mean the rate is free Where the money for builder rate buydowns actually comes from Why purchase price and home equity can matter more than the advertised rate The risks buyers should understand with temporary rate buydowns Why assuming you'll simply refinance later can be dangerous What buyers should ask instead of "What's your rate?" How lenders actually evaluate mortgage risk Why a strong credit score doesn't guarantee mortgage approval How automated underwriting can completely change a loan scenario Why two borrowers with similar finances can receive different outcomes How down payment assistance can affect your rate and borrowing costs Why down payment assistance isn't necessarily free money How 401(k) assets may factor into a homebuying strategy depending on your plan How experienced loan officers reverse-engineer an affordable monthly payment Why insurance can unexpectedly destroy a mortgage approval How rate locks and contract protections can affect your earnest money Why chasing the cheapest mortgage can ultimately cost you more Mortgage decisions shouldn't be made by looking at one number. Interest rate, purchase price, fees, equity, insurance, loan structure, monthly payment, and your long-term plans all need to work together. 🎯 Want a second opinion before choosing a mortgage? 👉 https://www.fairway.com/lo/ella-gurfinkel-188161 (https://www.fairway.com/lo/ella-gurfinkel-188161) I'll help you look beyond the advertised rate and understand the real numbers behind your options. A lower rate can look great on paper. The smarter question is: what are you giving up to get it?

3. 

   9 Sept 2026

   The Biggest Mortgage Collapse in US History Just Got Worse

   Is the U.S. housing market heading toward another crash, or are we watching something very different from 2008? Mortgage demand is near multi-decade lows, affordability remains under pressure, and millions of homeowners are holding onto mortgages around 3% while today's buyers face rates above 6%. But the most important part of the story is that housing markets across America are no longer moving in the same direction. In this episode of Ask Ella Show, I break down what the 2026 housing and mortgage data actually means for buyers, sellers, and homeowners without panic, exaggerated headlines, or false optimism. I've spent 30 years in the mortgage industry and lived through the 2008 housing crisis. What we're seeing today has important differences, and understanding those differences matters far more than trying to predict the exact moment the market will bottom. If you're thinking about buying, selling, refinancing, or simply wondering what could happen to your home's value, this episode will help you separate national headlines from the numbers that actually matter in your local market. This isn't about predicting the next housing crash. It's about understanding the market reset that's already happening. 💡 In This Episode, I Cover: Why mortgage demand has fallen to historic lows Whether today's housing market really resembles 2008 Why the home price-to-income ratio matters for affordability How the mortgage rate lock-in effect is restricting housing inventory Why homeowners with low mortgage rates are reluctant to sell Which conditions are giving buyers more negotiating power Why sellers need to rethink their pricing strategies How dramatically housing conditions can differ between cities Why property taxes could become the next major affordability challenge What could finally push more homeowners to list their properties Why the true cost of moving goes beyond the home's purchase price Whether buyers should wait for mortgage rates to fall Why trying to perfectly time the housing market can backfire How to make a housing decision based on your finances instead of headlines There is no single U.S. housing market. Some cities are seeing prices soften, others remain resilient, and your best strategy depends on local inventory, affordability, financing, and how long you plan to own the home. 🎯 Want to understand what today's market means for your specific situation? 👉 https://www.fairway.com/lo/ella-gurfinkel-188161 (https://www.fairway.com/lo/ella-gurfinkel-188161) I'll help you review the numbers, your financing options, and what makes sense for your goals without pressure or a sales pitch. Don't make a housing decision based on fear of a crash or fear of missing out. Make it based on the math.

Who has been a guest on #AskElla SHOW

Names identified in recent episode analyses. Showing up to five guests.

• Alex Roas
• Rachel
• Grant Cardone

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

YouTube views

184,742

Score snapshot 15 Sept 2025

Apple Podcasts (US)

5.0 / 5

3 ratings

Spotify

5.0 / 5

1 ratings

Podcast Authority Score: 63 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

78

Social presence

0

YouTube

86

Engagement

32