Podcast thumbnail for Mortgage Beat

Mortgage Beat

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by John Aretos

85 episodes
Updated Daily
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Podcast Overview

Welcome to the Mortgage Beat podcast. Brought to you by Police Mortgage: For First Responders Who Are Second To None! Mortgage Beat gives insight into the home-loan process specifically for police officers, firefighters, and other public-safety professionals. The podcast is hosted by Police Mortgage CEO, John Aretos - NMLS #268165 Police Mortgage specializes in Conventional Mortgages, Purchase Money Transactions, FHA Loans, and VA Loans. To learn more about Police Mortgage go to policemortgage.com or call 312-499-8878.

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Publishing Since

7/17/2023

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Recent Episodes

Episode thumbnail for The Dream of Home Ownership Isn’t Dead

July 28, 2026

The Dream of Home Ownership Isn’t Dead

<p>Episode 083 of Mortgage Beat</p><p></p><p>Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), stress that while it may be more difficult to buy a property in some cases, the dream of home ownership is still alive and well. </p><p></p><p>Whether you read financial news or watch business channels, you'll often hear discussions about whether the dream of homeownership is fading. Some say it’s harder to buy a home, others believe renting has become more popular, and there are various reasons for these views. So, is the dream of owning a home dying? Police Mortgage says, “Absolutely not!”</p><p></p><p>However, buying your first home is definitely more challenging. Reasons include large investment firms purchasing single-family homes to rent out, high prices compared to previous years, and rising monthly lifestyle costs which make saving for a down payment tougher than it was a decade ago. </p><p></p><p>It all comes back to planning. The earlier you reach out to Police Mortgage, the better. We’ll help you position yourself where you want to be, whether that's six months or a year from now. Early planning makes things much easier when buying your first home. </p><p></p><p>Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to <a href="http://www.policemortgage.com/">www.policemortgage.com</a> or call 312-499-8878. </p><p>NMLS #268165</p><p></p><p>Police Mortgage – For First Responders Who Are Second To None.</p><p></p><p>ABOUT THE HOSTS:</p><p></p><p>Vivian Abraham</p><p>“I have my bachelor’s in business administration and have been involved in the banking industry for over 10 years. During this time, I managed two of the National Police Federal Credit Union locations prior to transitioning to Police Mortgage. I have family members who are police officers with the Chicago Police Department. My work has been very rewarding, and I take pride in having assisted countless members and their families with their financial needs and financial wellness. My hobbies include exploring new restaurants in the city and running for marathons that support pediatric cancer foundations and Chicago Police Memorial Foundation’s Run To Remember. I come from a large family primarily from the south side of Chicago and love to share all the diversity and beauty the city has to offer with my two children.”</p><p></p><p>Patrick Doah</p><p>“I am honored to grow up in a multi-generational family of Chicago Police Officers. I joined Police Mortgage in the summer of 2020 and love the opportunity to help both first-time buyers and repeat clients alike achieve their dreams of purchasing a home. Having been born and raised in the south suburbs of Chicago, I happily live in the Lakeview neighborhood today. Along with my two younger sisters, I am a graduate of the University of Illinois at Urbana-Champaign and a lifelong Chicago Bears fan. I have a strong passion for food and love exploring the vast array of restaurants throughout our city. Nothing makes me happier than spending a summer afternoon on a golf course with family and friends!”</p>

Episode thumbnail for Gifts from Family Members

July 21, 2026

Gifts from Family Members

<p>Episode 082 of Mortgage Beat</p><p></p><p>Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), talk about gift letters from family members. </p><p></p><p>Buying a home is more challenging now than it was decades ago, as house prices have outpaced wage growth. Many families want to help their children or relatives by giving gifts while they're still alive, allowing them to enjoy seeing those resources put to use. </p><p></p><p>Gifts from family members can be used for a mortgage down payment, but some rules apply based on loan type—typically, part of the investment must come directly from the borrower. Proper documentation, such as a gift letter and source statement, is necessary to track funds, and these are commonly used in home purchases. If you have a supportive relative willing to give, it can definitely work to your advantage in buying a home.</p><p></p><p>Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to <a href="http://www.policemortgage.com/">www.policemortgage.com</a> or call 312-499-8878. </p><p>NMLS #268165</p><p></p><p>Police Mortgage – For First Responders Who Are Second To None.</p><p></p><p>ABOUT THE HOSTS:</p><p></p><p>Vivian Abraham</p><p>“I have my bachelor’s in business administration and have been involved in the banking industry for over 10 years. During this time, I managed two of the National Police Federal Credit Union locations prior to transitioning to Police Mortgage. I have family members who are police officers with the Chicago Police Department. My work has been very rewarding, and I take pride in having assisted countless members and their families with their financial needs and financial wellness. My hobbies include exploring new restaurants in the city and running for marathons that support pediatric cancer foundations and Chicago Police Memorial Foundation’s Run To Remember. I come from a large family primarily from the south side of Chicago and love to share all the diversity and beauty the city has to offer with my two children.”</p><p></p><p>Patrick Doah</p><p>“I am honored to grow up in a multi-generational family of Chicago Police Officers. I joined Police Mortgage in the summer of 2020 and love the opportunity to help both first-time buyers and repeat clients alike achieve their dreams of purchasing a home. Having been born and raised in the south suburbs of Chicago, I happily live in the Lakeview neighborhood today. Along with my two younger sisters, I am a graduate of the University of Illinois at Urbana-Champaign and a lifelong Chicago Bears fan. I have a strong passion for food and love exploring the vast array of restaurants throughout our city. Nothing makes me happier than spending a summer afternoon on a golf course with family and friends!”</p>

Episode thumbnail for The Gig Economy

July 14, 2026

The Gig Economy

<p>Episode 081 of Mortgage Beat</p><p></p><p>Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), share what those who have embraced the gig economy need to do to buy a property. </p><p></p><p>Our network also includes family members of first responders who are eager to work with us, even if they are not actively involved in law enforcement, firefighting, or similar professions. Nowadays, with the rise of the gig economy, individuals can assemble a career and income through various freelance or part-time jobs.</p><p></p><p>In these situations, it's possible to piece together a living from gig jobs and still buy a home. The key requirement is stability. Lenders look for a consistent average monthly income. If an applicant can demonstrate stable income over a two-year period, they may qualify for a mortgage. It's crucial to have a clear paper trail, with all income reported on tax returns. As long as the income is documented and reported, Police Mortgage can help find a way to secure a mortgage.</p><p></p><p>Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to <a href="http://www.policemortgage.com/">www.policemortgage.com</a> or call 312-499-8878. </p><p>NMLS #268165</p><p></p><p>Police Mortgage – For First Responders Who Are Second To None.</p><p></p><p>ABOUT THE HOSTS:</p><p></p><p>Vivian Abraham</p><p>“I have my bachelor’s in business administration and have been involved in the banking industry for over 10 years. During this time, I managed two of the National Police Federal Credit Union locations prior to transitioning to Police Mortgage. I have family members who are police officers with the Chicago Police Department. My work has been very rewarding, and I take pride in having assisted countless members and their families with their financial needs and financial wellness. My hobbies include exploring new restaurants in the city and running for marathons that support pediatric cancer foundations and Chicago Police Memorial Foundation’s Run To Remember. I come from a large family primarily from the south side of Chicago and love to share all the diversity and beauty the city has to offer with my two children.”</p><p></p><p>Patrick Doah</p><p>“I am honored to grow up in a multi-generational family of Chicago Police Officers. I joined Police Mortgage in the summer of 2020 and love the opportunity to help both first-time buyers and repeat clients alike achieve their dreams of purchasing a home. Having been born and raised in the south suburbs of Chicago, I happily live in the Lakeview neighborhood today. Along with my two younger sisters, I am a graduate of the University of Illinois at Urbana-Champaign and a lifelong Chicago Bears fan. I have a strong passion for food and love exploring the vast array of restaurants throughout our city. Nothing makes me happier than spending a summer afternoon on a golf course with family and friends!”</p>

85 total episodes available

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Frequently asked questions

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What is Mortgage Beat?

Welcome to the Mortgage Beat podcast. Brought to you by Police Mortgage: For First Responders Who Are Second To None!

Mortgage Beat gives insight into the home-loan process specifically for police officers, firefighters, and other public-safety professionals. The podcast is hosted by Police Mortgage CEO, John Aretos - NMLS #268165

Police Mortgage specializes in Conventional Mortgages, Purchase Money Transactions, FHA Loans, and VA Loans. To learn more about Police Mortgage go to policemortgage.com or call 312-499-8878.

How often does this podcast release new episodes?

This podcast updates daily.

Where can I listen to this podcast?

This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.

Does this podcast accept guests?

No, this podcast does not typically feature guests.

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