Your Go-To Resource for all things real estate and all things St Pete
Selling St Pete with Nicole Saunches
Claim This Podcastby Nicole Saunches
5.0(3 reviews)
76 episodes
Updated Weekly
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Podcast Overview
Your Go-To Resource for all things real estate and all things St Pete
Language
🇺🇲
Publishing Since
9/13/2019
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Recent Episodes
August 6, 2026
Is That Musty Smell Mold? What Every Florida Homeowner Needs to Know
<p>Florida's heat, humidity, and rain make it one of the most mold-prone climates in the country — and today's episode breaks down what that actually means for your home. Host Nicole Saunches talks with Doug and Ryen Linder, the father-son team behind DR Mold Solutions, about the black mold myth, where mold hides that you'll never see, what a real mold inspection report looks like, EPA/FDA-approved fogging treatment, the ideal indoor humidity range, and a rapid-fire Myth or Fact segment. Whether you're buying, selling, or just living in a Florida home, this one's worth the listen.</p><p><strong>Guests:</strong> Doug Linder & Ryen Linder, DR Mold Solutions (drmoldsolutions.com | 727-888-3858)</p><p><strong>Topics covered:</strong> indoor air quality, mold types & the black mold myth, mold inspections, remediation & fogging treatment, HVAC maintenance, ideal home humidity, real estate due diligence, prevention tips</p><p><strong>Chapters:</strong> 00:00 Intro | 03:30 Why Tampa Bay is a mold hotspot | 07:00 What indoor air quality really means | 12:00 The black mold myth | 17:00 A mold inspection, start to finish | 24:00 Remediation & fogging treatment | 36:00 Prevention & the #1 tip | 43:00 Ideal humidity range | 45:00 Myth or Fact | 52:00 How to reach DR Mold Solutions</p><p><strong>Links:</strong> <a href="https://www.drmoldsolutions.com" rel="noopener noreferrer" target="_blank">www.drmoldsolutions.com</a></p><p><strong>Contact DR Mold Solutions:</strong> 727-888-3858</p>
July 31, 2026
Understanding VA Entitlements: Demystifying Assumable Mortgages for Veterans
<p>VA entitlement isn't a loan amount, a credit line, or a one-time coupon — and almost nobody explains it correctly. In this episode, Nicole Saunches sits down again with Nora Simpson of AssumeList to break down VA entitlement in plain terms: full vs. partial entitlement, why there's no real cap on what a veteran can borrow, how to hold two VA loans at once, and the biggest myth in the industry — that only veterans can assume a VA loan.</p><p><strong>In this episode:</strong></p><ul><li>What VA entitlement actually is (and isn't)</li><li>Full entitlement vs. partial entitlement, explained</li><li>Owning two homes with VA loans at the same time</li><li>Why leaving entitlement in place can be the smarter move</li><li>Who can actually assume a VA loan (hint: not just veterans)</li><li>How to calculate exactly how much entitlement you have left</li><li>Rapid-fire true/false on the industry's biggest misconceptions</li></ul><br/><p><strong>Links mentioned:</strong></p><ul><li>AssumeList: <a href="assumelist.com" rel="noopener noreferrer" target="_blank">assumelist.com</a></li><li>Free daily Q&A: <a href="homes.assumelist.com/learn" rel="noopener noreferrer" target="_blank">homes.assumelist.com/learn</a> (weekdays, 11 AM ET / 8 AM PT)</li><li>Assumable Mortgage Hub: <a href="https://www.sellingstpetefl.com/posts/the-assumable-mortgage-guide-how-to-buy-or-sell-with-a-2-3-interest-rate-in-today-s-market" rel="noopener noreferrer" target="_blank">https://www.sellingstpetefl.com/posts/the-assumable-mortgage-guide-how-to-buy-or-sell-with-a-2-3-interest-rate-in-today-s-market</a></li></ul><br/><p><strong>Connect with Nicole Saunches:</strong></p><p>📧 <a href="mailto:nicole@nicolesaunches.com" rel="noopener noreferrer" target="_blank">nicole@nicolesaunches.com</a> | 📱 Call/text: 719-201-5022</p><p>Veterans navigating a sale, purchase, or VA loan assumption in Tampa Bay — reach out directly. Buyers and investors wanting a free AssumeList sub-account, DM Nicole.</p>
July 30, 2026
Understanding Financing Options for Assumable Mortgages
<h2>Assumable mortgages can be one of the biggest opportunities in today's real estate market, but one question stops many buyers before they even get started:</h2><p><strong>"How do I pay the difference between what the seller owes and what the home is worth?"</strong></p><p>In this episode of <strong>Selling St. Pete</strong>, Nicole Saunches sits down with <strong>Ryan Nelson of Barrett Financial</strong>, AssumeList's preferred lending partner, to explain exactly how buyers can finance the equity gap when purchasing a home with an assumable mortgage.</p><p>If you've been told you need hundreds of thousands of dollars in cash to assume a low-interest mortgage, this episode may completely change the way you think about the process.</p><h2>In This Episode You'll Learn</h2><ul><li>What the equity gap is and why it exists in almost every mortgage assumption</li><li>Why financing the equity gap is a separate process from assuming the existing loan</li><li>How second mortgages and HELOCs can help buyers bridge the gap</li><li>When assuming a mortgage makes financial sense—and when it doesn't</li><li>How blended interest rates work when combining an assumable mortgage with secondary financing</li><li>What buyers must do to qualify for an assumable mortgage</li><li>Common mistakes that can derail financing before closing</li><li>Why sellers with 2–3% mortgage rates may be sitting on an incredibly valuable asset</li><li>The biggest myths surrounding assumable mortgages</li></ul><br/><h2>Key Takeaways</h2><p>One of the biggest misconceptions about assumable mortgages is that buyers must have enough cash to cover the seller's equity. In reality, qualified buyers may be able to obtain secondary financing to bridge that gap.</p><p>Ryan explains how fixed-rate second mortgages and home equity lines of credit (HELOCs) can work alongside an assumed mortgage, allowing buyers to take advantage of historically low interest rates while financing only the difference between the existing loan balance and the purchase price.</p><p>The conversation also emphasizes that every transaction should be evaluated individually. Sometimes assuming a mortgage creates enormous long-term savings. Other times, depending on the loan balance and equity, a traditional mortgage may actually be the better financial choice.</p><p>As Ryan says throughout the episode:</p><p><strong>It's all about doing the math.</strong></p><h2>Myth vs. Fact</h2><p>Nicole closes the episode with a rapid-fire Myth or Fact segment covering:</p><ul><li>Do you always need a second mortgage?</li><li>Does assuming a mortgage eliminate underwriting?</li><li>Can only the original lender finance the equity gap?</li><li>Does Barrett Financial only work with AssumeList clients?</li></ul><br/><p>The answers may surprise you.</p><h2>Featured Guest</h2><p><strong>Ryan Nelson</strong></p><p>Barrett Financial Group</p><p>Ryan specializes in assumable mortgage financing, second mortgages, HELOCs, FHA, VA, conventional financing, and self-employed borrower solutions. He works with buyers nationwide to help structure financing options that make homeownership more affordable.</p><h2>Connect with Ryan Nelson</h2><p>Phone: (480) 861-7841</p><p>Email: <a href="mailto:rnelson@barrettfinancial.com" rel="noopener noreferrer" target="_blank">rnelson@barrettfinancial.com</a></p><h2>Resources Mentioned</h2><ul><li>AssumeList</li><li>Barrett Financial</li><li>Blended Mortgage Rate Calculator (search "Blend Rate Calculator" online)</li></ul><br/><h2>About Selling St. Pete</h2><p>Selling St. Pete is your trusted resource for real estate education throughout the Tampa Bay area. Host Nicole Saunches interviews industry experts to help buyers, sellers, investors, and homeowners better understand today's housing market, financing strategies, insurance, legal issues, and the many options available when making one of life's biggest financial decisions.</p><p>If you found this episode helpful, please subscribe, leave a review, and share it with someone who could benefit from learning more about assumable mortgages.</p>
76 total episodes available
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- What is Selling St Pete with Nicole Saunches?
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This podcast updates weekly.
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This podcast is available on 8 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
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