Videos

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Navigating the Home Inspection and Its Impact on Financing 🏡 Thinking about buying a home? The home inspection isn’t just a checklist—it can seriously affect your mortgage approval and loan terms. In this episode, Richard Sarey breaks down the role of the inspection in the homebuying process and how certain…

What Is an Amortization Schedule and Why It Matters Ever wonder how your mortgage payment is split between interest and principal? Or why your balance doesn’t seem to drop much at the beginning? 🤔 In this episode, Richard Sarey breaks down the amortization schedule—what it is, how it works, and…

Join Richard Sarey, host of Helping Heroes Become Homeowners, as he breaks down the ins and outs of interest-only mortgages—what they are, how they work, and whether they’re the right move in today’s market. Are they a smart strategy for investors or a risky bet for homebuyers? Get the facts…

📈 NEW VIDEO ALERT! 🏠💸 How Rising Property Taxes Could Impact Your Mortgage Budget in 2025 If you're thinking about buying a home—or already own one—2025 could bring some surprises to your budget. With property taxes on the rise, your mortgage payment might not be as predictable as you think.…

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Are you wondering what happens behind the scenes of the mortgage underwriting process? 🤔 Our latest video, "What to Expect During the Mortgage Underwriting Process," breaks it all down in simple terms! Join Richard Sarey, host of the Helping Heroes Become Homeowners Podcast and founder of Alliance Mortgage Group, as…

Being self-employed has its perks—freedom, flexibility, and unlimited earning potential—but when it comes to getting a mortgage, it can feel like an uphill battle. In this video, Richard Sarey breaks down the best mortgage products designed specifically for self-employed buyers. Learn about bank statement loans, no-income verification options, DSCR loans…

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In this episode of Helping Heroes Become Homeowners, host Richard Sarey sits down with Chris Cox, a seasoned real estate agent with Compass, to break down what 2025 has in store for the housing market. With nearly two decades of experience in the North Texas real estate scene, Chris brings…

2025 Homebuyers and Refinancers: Don’t Overlook These Tax Perks👇 Here’s the breakdown: ✅ Discount Points for Your Loan – Deduct points paid to lower your mortgage rate (even if the seller covered them). Remember, these are a percentage of the loan amount—application and processing fees don’t count! ✅ Points from…

🏡 New Video Alert! 🎥 "Mortgage Insurance Explained: Is It Worth Dropping This Year?" 🤔 Are you still paying for mortgage insurance and wondering if it’s time to drop it? In this video, Richard Sarey from Alliance Mortgage Group breaks down everything you need to know: ✅ When you can…

Planning to buy a house with your partner [ in your city?] Make sure you’re both on the same page with these 15 essential questions! 1. What’s our ideal timeline to buy? 2. How much of our monthly income are we comfortable putting toward a mortgage? 3. Do we have…

The average person spends money on things like: $100/month on meal delivery services (UberEats, DoorDash, etc.) $500/year on concert and event tickets $400/month on car payments for a luxury ride $200/month on beauty treatments (salons, skincare, nails) $3,000 on the latest tech (phones, tablets, smartwatches) $100/month on premium workout classes…

🚨 Top 5 Red Flags That Could Delay Your Mortgage Approval! 🚨 Are you getting ready to buy a home? Don't let these common mistakes slow down your mortgage approval! In our latest video, Richard Sarey, founder of Alliance Mortgage Group, breaks down the Top 5 Red Flags that can…

Don’t make this common mistake! ⬇️ 🚫 Waiting until your lease is almost up to start house hunting is a recipe for stress. Buying a home takes time—about 3-5 months on average—and you’ll want to give yourself extra breathing room to avoid feeling rushed. Here’s your game plan to get…

🚨 Breaking News for Homebuyers in 2025! 🚨 Exciting updates are here for FHA, VA, and USDA loan programs this year! 📢 Whether you're a first-time homebuyer, a veteran looking to maximize your VA loan benefits, or interested in USDA’s rural housing perks, this is a video you CAN’T miss.…

Ever wonder how your loan impacts how you pay property taxes and insurance? Let’s break it down! Impounded Loan: Your lender collects payments for taxes and insurance in a special escrow account. These costs are bundled into your monthly mortgage payment for added convenience. Why Choose Impounds? ✔ No separate…

No one tells new homebuyers this ⬇️ Your mortgage payment isn’t just one lump sum—it’s made up of 4 parts: 1️⃣ Principal & Interest (typically fixed). 2️⃣ Property Taxes (not fixed). 3️⃣ Homeowners Insurance (also not fixed). 4️⃣ Mortgage Insurance (if your down payment is under 20%) While your principal…

🏠 What to Do If Your Dream Home Exceeds Your Pre-Approval Amount? Finding your dream home is exciting… until you realize it’s priced higher than your pre-approval amount! 😬 Don’t let that stop you from achieving your homeownership goals. In our latest video, Richard Sarey from Alliance Mortgage Group breaks…

1️⃣ Mortgage Interest Deduction Did you know the interest you pay on your mortgage could lower your taxable income? It’s a major perk of homeownership, so be sure to grab Form 1098 from your lender to claim this deduction! 2️⃣ The Augusta Rule This little-known tax rule allows you to…

It’s not a topic we like to think about, but planning ahead is crucial for your loved ones. Here’s how it works: ✔️ Mortgage: The loan doesn’t disappear—it stays with the house. If payments stop, the lender may foreclose ✔️ No Will: The court takes over, deciding who inherits through…

1️⃣ Principal & Interest (typically fixed). 2️⃣ Property Taxes (not fixed). 3️⃣ Homeowners Insurance (also not fixed). 4️⃣ Mortgage Insurance (if your down payment is under 20%) While your principal and interest usually stay the same, property taxes and insurance can increase as your home’s value goes up. 👉 Pro…

Are you ready for some game-changing news about your credit score? In 2025, the mortgage world has taken a surprising twist, and I’m here to break it all down for you. In this video, I’ll guide you through how credit scores directly impact mortgage rates—what’s new, what’s changed, and what…