Join nationally recognized loan officer Michael Fornerette as he breaks down the homebuying journey in a way that’s clear, practical, and empowering. From understanding loan types and debunking credit myths to exploring advanced strategies, market trends, and interest rates, this podcast is designed to equip, educate, and empower you to build wealth through smart homeownership decisions. Whether you’re a first-time buyer or looking to level up your real estate game, Michael delivers expert insights to help you succeed.
The Closing Disclosure - Understanding Your Final Numbers (And How to Avoid Wire Fraud)
You're a few days away from closing. Everything's moving forward. Then you get an email from your lender with a document attached: Your closing disclosure. This is one of the most important documents you'll receive, and you need to review it carefully. Today, we're talking about the Top 4 Sections You Must Review in Your Closing Disclosure. What it is, what to check, and most importantly, how to avoid wire fraud when sending your money.
Loan terms - Confirming your amount, rate, and payment
Projected payments - Your full monthly payment including everything
Closing costs - Every fee broken down line by line
Cash to close - The exact amount you need to wire
Up next: Episode 24 (last one of season two!)- Closing Day - What Happens at the Table
Connect with Michael and his team with any questions or to start your homebuying journey
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This podcast is hosted by ZenCast.fm (https://wwww.zencast.fm)
24 Mar 2026
The Final Walk-Through - Your Last Chance to Catch Problems (The 6 Things You Must Check Before Closing)
In this episode of Money Moves with Michael, Michael breaks down the six critical things every buyer must check during their final walk-through—the last opportunity to catch issues before they become your responsibility.
You’ll learn:
Why the final walk-through is non‑negotiable
The exact repairs, appliances, and utilities you must verify
How to spot new damage that may have happened during move‑out
What keys, remotes, and access codes you should receive
Why the home must be completely empty before closing
What to do—and what rights you have—if something isn’t right
Plus, Michael shares a real story of a flooded basement discovered just hours before closing… and how a walk-through saved the buyer thousands.
This checklist protects you. Follow it, document everything, and don’t close until the home is truly ready.
This podcast is hosted by ZenCast.fm (https://wwww.zencast.fm)
16 Mar 2026
When the Appraisal Comes in Low (Your 4 Options and How to Decide)
The appraisal came in below your purchase price — don't panic. Michael walks through your four options for handling an appraisal gap and how to negotiate a solution without letting emotions drive a costly mistake.
Your 4 Options
Bring extra cash to closing — cover the gap yourself. Best when the gap is small and won't drain your savings.
Negotiate the price down — ask the seller to meet the appraised value. Works best in a buyer's market or when the seller is motivated.
Meet in the middle — split the difference. Often the most realistic solution for both sides.
Walk away — invoke your appraisal contingency and get your earnest money back. The right call when the gap is too large or the seller won't budge.
Next Episode
Episode 22: The Final Walk-Through — what to check before closing to make sure the home is in the condition you agreed to.
Subscribe to Money Moves with Michael so you never miss an episode.
This podcast is hosted by ZenCast.fm (https://wwww.zencast.fm)
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