Transforming lives on Main Street and adding a splash of green to Wall Street since 1999. Co-creator of the Earth Gratitude project and bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us.
nataliepace.substack.com (https://nataliepace.substack.com?utm_medium=podcast)
Over the past few weeks, Natalie Pace has been highlighting risks in mortgages. While those with a very low fixed rate feel secure, we're seeing signs of shenanigans in the fine print that could strip away that ultra low interest rate (which is too low for the banks to make money).
On the other side of the spectrum, some homeowners and income property investors are falling for interest-only loans and loan modifications that wipe out any opportunity for building up equity. In fact, a great number of loan mods put the homeowner severely underwater on their mortgage (where the loan is 25% or more higher than the value of their home). In these scenarios, the homeowner is taking on all of the responsibilities and expenses of ownership, with none of the equity building -- essentially being a renter, but shouldering all of the costs for the true owner -- the bank or lender.
There are also hidden risks in reverse mortgages to be aware of.
Homeownership is one of the most powerful ways to build wealth. Homeowners are worth up to 43 times renters. However, home ownership done wrong can be a devastating hit to our financial, emotional and physical well-being for more than a decade. (Over 20 million homes were foreclosed on over the last 26 years.)
All this and more in today's free podcast and videoconference with Natalie Pace. Email info@nataliepace.com with your money questions, opportunities and challenges. Wisdom and time-proven strategies are the cure. Let's win together.
Get links from today’s podcast in the description of the YouTube videoconference at YouTube.com/NataliePace. Be sure to read Natalie Pace’s blog at NataliePace.com/Blog. https://www.nataliepace.com/blog/the-mirage-of-the-interest-only-mortgage#/
Get full access to Natalie Wynne Pace at nataliepace.substack.com/subscribe (https://nataliepace.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4)
2 Oct 2026
How a 3.75% Fixed-Rate Mortgage Was Legally Broken
Think your fixed-rate mortgage keeps you completely safe? Think again.As banks lose money on mortgages locked in under 4 percent, they are digging into the fine print for loopholes and what they are finding could put your home at risk.
In my latest interview, financial investigator Kelly McGinnis shares some of the 2,500 shocking case studies she has uncovered, including:
The 10.25 percent Trap: One homeowner paid his 3.75 percent fixed-rate mortgage on time every single month. The bank found a loophole in the contract, broke the agreement, jacked his rate up to 10.25 percent, and foreclosed on his home.
The 30-Day Auction: After her parents passed, a daughter tried to buy back their family reverse mortgage. Instead of working with her, the lender auctioned off the home within 30 days, wiping out over 100 years of family history without warning.
The Reality Check: If there is a single unfulfilled condition or ambiguous loophole hidden in your contract, you could face an unaffordable interest rate reset or, in the worst-case scenario, foreclosure.
Protect your hardest-earned asset. Tune into this critical interview to learn exactly what to look for in your paperwork and how to shield yourself from these growing financial tactics.
All this and more in today's free podcast and videoconference with Natalie Pace.
Email info@nataliepace.com with your money questions, opportunities and challenges. Wisdom and time-proven strategies are the cure. Let's win together.
Links from Today:
https://kellymcginnis.com/
https://joinhomera.com/
Get full access to Natalie Wynne Pace at nataliepace.substack.com/subscribe (https://nataliepace.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4)
25 Sept 2026
The Gig Worker’s Guide to Financial Freedom
When Natalie Pace was in her 30s, she was a single mom, with a son in elementary school. Her income didn't cover the bills. Her credit card debt was high and the home that she got in the divorce was underwater, owing more on the mortgage than the condo was worth. It was a 2-bedroom, so renting out the 2nd bedroom wasn't an option.
So, how did she escape that dead-end and build an authentic life and career? More importantly, do you know someone in your family who is stuck in the gig economy, drowning in debt (including student loan debt), perhaps forced to move back in with the parents? How can gig workers employ the same tools to build a financially, fulfilling life?
Multi-Generational Homes: when gig workers have to move back in with their parents, stop thinking of it as a failure to launch and start building a foundation to launch.
All this and more in today's free podcast and videoconference with Natalie Pace. Email info@nataliepace.com with your money questions, opportunities and challenges. Wisdom and time-proven strategies are the cure. Let's win together.
Links from Today:
https://www.nataliepace.com/blog/the-gig-workers-guide-to-financial-freedom#/
Get full access to Natalie Wynne Pace at nataliepace.substack.com/subscribe (https://nataliepace.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4)
Podcast Authority Score: 51 / 100
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