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Mortgage Matters

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by Mortgage Matters

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92 episodes
Updated Daily
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Podcast Overview

People don't call us because they need a mortgage. They call us because they need help making a housing decision. Mortgage Matters is a Las Vegas, Nevada-based radio show and podcast hosted by mortgage advisors Roland Daniels (NMLS 355859) and Heidi Griffith (NMLS 2247754) with Geneva Financial. Airing every Sunday at 7:30 AM on KUNV 91.5 and available wherever you listen to podcasts, the show explores the real-life decisions, opportunities, challenges, and financial realities that shape where and how we live. Every week, Roland and Heidi tackle the housing conversations people are already having around kitchen tables, at family gatherings, and on social media. Should I buy or wait? Is my first home supposed to be my dream home? Should I move up, downsize, invest, or stay put? How do I build wealth through real estate? What's the smartest use of my money? Through honest conversations and practical guidance, they help listeners make sense of the choices involved in renting, buying, selling, investing, and planning for the future. Drawing on decades of mortgage and housing experience, Roland and Heidi break down real mortgage questions, homeownership strategies, down payment assistance programs, FHA loans, VA loans, conventional financing, housing affordability, wealth-building opportunities, and the financial realities that influence housing decisions. Mortgage Matters also shines a spotlight on the people and organizations working to strengthen communities across Las Vegas and Nevada. Through conversations with housing advocates, nonprofit leaders, educators, elected officials, and local changemakers, the show explores the issues that affect housing, opportunity, economic mobility, fair housing, and homeownership throughout Southern Nevada. Roland and Heidi are active community educators who lead free homebuyer workshops across Nevada in partnership with organizations including the Nevada Housing Division, Chicanos Por La Causa (CPLC), and Nevada Rural Housing Authority. Roland serves as a director with the local chapter of the National Association of Real Estate Brokers (NAREB), and Heidi serves as President of the Silver State Fair Housing Council, where Roland is also a board member. Together, they bring mortgage expertise, housing advocacy, community involvement, and a passion for helping people make informed housing decisions to every episode.

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Publishing Since

9/1/2024

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Recent Episodes

Episode thumbnail for How Small Money Habits Can Change Your Financial Future

August 2, 2026

How Small Money Habits Can Change Your Financial Future

<p>Many people believe they're "just bad with money." But what if building financial confidence has less to do with how much you earn and more to do with the small habits you practice every day?</p><p>In this episode of Mortgage Matters, Heidi Griffith welcomes back returning guest Jill Avilez, artist and creator of the Vato Bunny comic series, six months after they first met at a Nevada Housing Division Homebuyer Education class. Jill shares how she transformed her approach to budgeting, saving money, credit, and personal finance by making small, consistent changes instead of trying to change everything overnight.</p><p>From creating "micro incrementals" and paying herself instead of ordering takeout, to improving her credit score and building savings for the future, Jill explains how simple money habits helped her develop confidence she never thought was possible. Her story is an honest reminder that financial literacy is not about being perfect. It is about taking the first step and sticking with it.</p><p>Financial confidence is built one decision at a time, and those decisions can start long before you're ready to apply for a mortgage.</p><p>Heidi and Jill also discuss why so many people were never taught financial literacy, practical budgeting strategies anyone can use, overcoming financial stress, building better money habits, and why believing in yourself is often the hardest part of creating lasting financial change.</p><p>If you've ever felt like you're behind financially, or that it's too late to change your habits, Jill's story is proof that lasting change begins with one small decision. Whether your goal is to improve your credit, build savings, prepare to buy your first home, or simply feel more in control of your finances, this episode will leave you encouraged, informed, and ready to take the next step.</p>

Episode thumbnail for Nevada Rural Housing Opens Its $20,000 Down Payment Assistance Program to More Homebuyers

July 26, 2026

Nevada Rural Housing Opens Its $20,000 Down Payment Assistance Program to More Homebuyers

<p><strong>Nevada Rural Housing has expanded one of Nevada's most talked-about down payment assistance programs, and many homebuyers who didn't qualify before may now be eligible.<br></strong><br></p><p>This week, Heidi Griffith and Roland Daniels welcome Kevin Hickey, Homeownership Program Manager for <strong>Nevada Rural Housing</strong>, to discuss the expansion of the Rural Rocks 20K program and what it means for homebuyers across Nevada.</p><p>Originally created for essential workers through AB540, the program has now opened to a much broader group of eligible buyers. Qualified borrowers may receive <strong>up to $20,000 in down payment assistance</strong>, with the option to use part of those funds to permanently buy down their mortgage interest rate.</p><p>During this episode, you'll learn:</p><p>• Who now qualifies for Nevada Rural Housing's Rural Rocks 20K program</p><p>• Why parts of the Las Vegas Valley, including Winchester, Whitney, and Summerlin South, may qualify as "rural"</p><p>• How the $20,000 assistance is repaid and why there are no monthly payments</p><p>• Why Nevada Rural Housing interest rates often compare favorably with traditional mortgage financing</p><p>• Common myths about down payment assistance that keep many buyers from ever exploring their options</p><p>• Why this funding is limited and why waiting could mean missing the opportunity</p><p>Whether you're buying your first home, purchasing again after selling a previous home, or simply wondering if down payment assistance could help you become a homeowner, this episode explains the program in plain English and answers many of the questions buyers ask every day.</p><p>If you've assumed you needed years to save for a down payment, thought you earned too much to qualify, or believed assistance programs had already run out, this conversation may change what you thought was possible.</p>

Episode thumbnail for The 21st Century Road to Housing Act: Investors, ADUs & Manufactured Housing

July 19, 2026

The 21st Century Road to Housing Act: Investors, ADUs & Manufactured Housing

<p>Congress recently passed the 21st Century Road to Housing Act, one of the most significant housing bills in years. But what do the headlines leave out, and what does the law actually mean for homebuyers today?</p><p>In this episode of Mortgage Matters, Roland Daniels and Heidi Griffith take a closer look at three sections of the new law. They discuss new restrictions on large institutional investors buying existing homes, proposed changes to manufactured housing that could improve affordability, and expanded financing opportunities for accessory dwelling units, also known as ADUs or casitas.</p><p>They also explain which parts of the law are already in effect, which changes still require additional action before they become reality, and how these proposals could affect homebuyers, homeowners, and families here in Las Vegas and across Nevada.</p><p>If you've been hearing about the 21st Century Road to Housing Act and want a practical explanation without the political noise, this episode breaks down what matters, what is still to come, and what buyers should be watching next.</p>

92 total episodes available

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Frequently asked questions

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What is Mortgage Matters?

People don't call us because they need a mortgage. They call us because they need help making a housing decision.

Mortgage Matters is a Las Vegas, Nevada-based radio show and podcast hosted by mortgage advisors Roland Daniels (NMLS 355859) and Heidi Griffith (NMLS 2247754) with Geneva Financial. Airing every Sunday at 7:30 AM on KUNV 91.5 and available wherever you listen to podcasts, the show explores the real-life decisions, opportunities, challenges, and financial realities that shape where and how we live.

Every week, Roland and Heidi tackle the housing conversations people are already having around kitchen tables, at family gatherings, and on social media. Should I buy or wait? Is my first home supposed to be my dream home? Should I move up, downsize, invest, or stay put? How do I build wealth through real estate? What's the smartest use of my money? Through honest conversations and practical guidance, they help listeners make sense of the choices involved in renting, buying, selling, investing, and planning for the future.

Drawing on decades of mortgage and housing experience, Roland and Heidi break down real mortgage questions, homeownership strategies, down payment assistance programs, FHA loans, VA loans, conventional financing, housing affordability, wealth-building opportunities, and the financial realities that influence housing decisions.

Mortgage Matters also shines a spotlight on the people and organizations working to strengthen communities across Las Vegas and Nevada. Through conversations with housing advocates, nonprofit leaders, educators, elected officials, and local changemakers, the show explores the issues that affect housing, opportunity, economic mobility, fair housing, and homeownership throughout Southern Nevada.

Roland and Heidi are active community educators who lead free homebuyer workshops across Nevada in partnership with organizations including the Nevada Housing Division, Chicanos Por La Causa (CPLC), and Nevada Rural Housing Authority. Roland serves as a director with the local chapter of the National Association of Real Estate Brokers (NAREB), and Heidi serves as President of the Silver State Fair Housing Council, where Roland is also a board member. Together, they bring mortgage expertise, housing advocacy, community involvement, and a passion for helping people make informed housing decisions to every episode.

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?

Yes, this podcast regularly features guests.

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