Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ri‑Karlo Handy.

---

Interview Overview

Guest: Ri‑Karlo Handy
Host: Rushion McDonald
Podcast: Money Making Conversations Masterclass
Primary Focus:

• Handy’s role as showrunner/executive producer of Harlem Globetrotters: Secrets of the City
• His media career spanning 25+ years
• Representation, legacy, trust, and mentorship in the entertainment industry
• The mission and impact of the Handy Foundation

---

Purpose of the Interview

The interview serves multiple purposes:

1. Promote Harlem Globetrotters: Secrets of the City on aspireTV+ by explaining what makes the series unique within the travel and lifestyle genre.
2. Reposition the Harlem Globetrotters as a cultural, historical, and global brand beyond basketball—especially significant during their 100‑year legacy.
3. Highlight pathways into the entertainment industry, particularly for Black creatives, through mentorship, trust-building, and skills-based training.
4. Showcase Handy’s philosophy on leadership and opportunity, emphasizing responsibility, legacy, and access.

---

Key Themes & Takeaways 1. Redefining the Travel Show Format

• Secrets of the City goes beyond sightseeing.
• The show explores how Black people live, connect, and thrive globally, especially through expat communities and diaspora culture.
• Episodes emphasize how to move through a city, not just visit it—using insider access, cultural context, and lived experience.

Takeaway: Travel content is more powerful when rooted in identity, history, and authenticity.

---

2. Harlem Globetrotters as Cultural Ambassadors

• Handy frames the Globetrotters as “ambassadors of goodwill”, not just entertainers.
• They represent joy, diplomacy, and cultural exchange—appearing everywhere from the Vatican to the UN’s Food and Agriculture Organization.
• The show captures their off‑court personalities, maturity, and global influence.

Takeaway: The Harlem Globetrotters are a living Black institution with worldwide reach, relevance, and responsibility.

---

3. Sustaining a 100‑Year Black Brand

• The Globetrotters predate the NBA and helped globalize basketball.
• After fading from TV prominence in the 1990s–2000s, a post‑pandemic strategy brought them back into media.
• Handy sees longevity itself as a lesson—few businesses, especially Black‑owned legacies, endure a century.

Takeaway: Longevity comes from reinvention, relevance, and honoring history while adapting to the present.

---

4. Mastery, Discipline, and Authentic Skill

• Globetrotter performances are not “fake” or staged.
• Players must actually make the shots and execute at elite athletic levels.
• Handy compares their mindset to elite athletes like Steph Curry—hours of practice for moments of excellence.

Takeaway: Entertainment still demands real mastery; excellence behind the scenes creates effortless magic on screen.

---

5. Trust as the Real Currency of Business

• Handy repeatedly emphasizes trust over talent as the foundation of his career.
• His progression—from editor to producer to network executive—came from delivering consistently on promises.
• Relationsh

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ri‑Karlo Handy.

---

Interview Overview

Guest: Ri‑Karlo Handy
Host: Rushion McDonald
Podcast: Money Making Conversations Masterclass
Primary Focus:

• Handy’s role as showrunner/executive producer of Harlem Globetrotters: Secrets of the City
• His media career spanning 25+ years
• Representation, legacy, trust, and mentorship in the entertainment industry
• The mission and impact of the Handy Foundation

---

Purpose of the Interview

The interview serves multiple purposes:

1. Promote Harlem Globetrotters: Secrets of the City on aspireTV+ by explaining what makes the series unique within the travel and lifestyle genre.
2. Reposition the Harlem Globetrotters as a cultural, historical, and global brand beyond basketball—especially significant during their 100‑year legacy.
3. Highlight pathways into the entertainment industry, particularly for Black creatives, through mentorship, trust-building, and skills-based training.
4. Showcase Handy’s philosophy on leadership and opportunity, emphasizing responsibility, legacy, and access.

---

Key Themes & Takeaways 1. Redefining the Travel Show Format

• Secrets of the City goes beyond sightseeing.
• The show explores how Black people live, connect, and thrive globally, especially through expat communities and diaspora culture.
• Episodes emphasize how to move through a city, not just visit it—using insider access, cultural context, and lived experience.

Takeaway: Travel content is more powerful when rooted in identity, history, and authenticity.

---

2. Harlem Globetrotters as Cultural Ambassadors

• Handy frames the Globetrotters as “ambassadors of goodwill”, not just entertainers.
• They represent joy, diplomacy, and cultural exchange—appearing everywhere from the Vatican to the UN’s Food and Agriculture Organization.
• The show captures their off‑court personalities, maturity, and global influence.

Takeaway: The Harlem Globetrotters are a living Black institution with worldwide reach, relevance, and responsibility.

---

3. Sustaining a 100‑Year Black Brand

• The Globetrotters predate the NBA and helped globalize basketball.
• After fading from TV prominence in the 1990s–2000s, a post‑pandemic strategy brought them back into media.
• Handy sees longevity itself as a lesson—few businesses, especially Black‑owned legacies, endure a century.

Takeaway: Longevity comes from reinvention, relevance, and honoring history while adapting to the present.

---

4. Mastery, Discipline, and Authentic Skill

• Globetrotter performances are not “fake” or staged.
• Players must actually make the shots and execute at elite athletic levels.
• Handy compares their mindset to elite athletes like Steph Curry—hours of practice for moments of excellence.

Takeaway: Entertainment still demands real mastery; excellence behind the scenes creates effortless magic on screen.

---

5. Trust as the Real Currency of Business

• Handy repeatedly emphasizes trust over talent as the foundation of his career.
• His progression—from editor to producer to network executive—came from delivering consistently on promises.
• Relationsh

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Brianna Johnson.

A dynamic entrepreneur and founder of Legend Life Financial. Here's a breakdown of the key highlights and insights from the episode:

---

🔑 Key Themes & Takeaways 1. Early Entrepreneurship

• By age 22, Brianna owned two clothing stores and a hair salon in Chicago.
• Inspired by her father, a long-time financial services professional, she developed a strong entrepreneurial spirit early on.

2. Transition to Financial Services

• At 24, she pivoted into financial services, initially resistant to the idea due to its lack of “cool” appeal.
• She passed her state licensing exam and is now licensed in over 30 states.
• Her company, Legend Life Financial, focuses on life insurance and financial education.

3. Insurance Education & Transparency

• Brianna emphasizes the importance of understanding the differences between:
  • Term Life Insurance: Affordable, fixed for a set term (e.g., 20–30 years), but can increase if it's an annual renewable term.
  • Whole Life Insurance: Permanent, more expensive, builds cash value slowly.
  • Indexed Universal Life (IUL): Tied to stock market performance with capped gains and protected downside.
  • Universal Life: Flexible premiums, moderate cash value growth.
  • Final Expense Policies: For individuals with health or legal issues, typically lower coverage.

4. Client Advocacy

• She stresses the need to ask questions like “What type of policy is this?” and to avoid blindly trusting agents—especially those who may not stay in the business long-term.
• She follows up with clients regularly and educates them on evolving insurance needs.

5. Mentorship & Impact

• Brianna has mentored over 250 life insurance agents and served more than 5,000 families.
• She’s passionate about empowering people of color through financial literacy and entrepreneurship.

---

💬 Notable Quotes

• “Fear is just false expectations appearing real.”
• “Everything you want is on the other side of fear.”
• “You don’t have to work more to make more—you just have to work smarter.”

---

📍 Contact & Resources

• Website: LegendLife.com (spelled with a “Z” – LegzendLife.com)
• Phone: (312) 768-3604
• Social Media: @BriannaKaylaJ on all platforms

---

#SHMS #STRAW #BEST

Support the show: https://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Brianna Johnson.

A dynamic entrepreneur and founder of Legend Life Financial. Here's a breakdown of the key highlights and insights from the episode:

---

🔑 Key Themes & Takeaways 1. Early Entrepreneurship

• By age 22, Brianna owned two clothing stores and a hair salon in Chicago.
• Inspired by her father, a long-time financial services professional, she developed a strong entrepreneurial spirit early on.

2. Transition to Financial Services

• At 24, she pivoted into financial services, initially resistant to the idea due to its lack of “cool” appeal.
• She passed her state licensing exam and is now licensed in over 30 states.
• Her company, Legend Life Financial, focuses on life insurance and financial education.

3. Insurance Education & Transparency

• Brianna emphasizes the importance of understanding the differences between:
  • Term Life Insurance: Affordable, fixed for a set term (e.g., 20–30 years), but can increase if it's an annual renewable term.
  • Whole Life Insurance: Permanent, more expensive, builds cash value slowly.
  • Indexed Universal Life (IUL): Tied to stock market performance with capped gains and protected downside.
  • Universal Life: Flexible premiums, moderate cash value growth.
  • Final Expense Policies: For individuals with health or legal issues, typically lower coverage.

4. Client Advocacy

• She stresses the need to ask questions like “What type of policy is this?” and to avoid blindly trusting agents—especially those who may not stay in the business long-term.
• She follows up with clients regularly and educates them on evolving insurance needs.

5. Mentorship & Impact

• Brianna has mentored over 250 life insurance agents and served more than 5,000 families.
• She’s passionate about empowering people of color through financial literacy and entrepreneurship.

---

💬 Notable Quotes

• “Fear is just false expectations appearing real.”
• “Everything you want is on the other side of fear.”
• “You don’t have to work more to make more—you just have to work smarter.”

---

📍 Contact & Resources

• Website: LegendLife.com (spelled with a “Z” – LegzendLife.com)
• Phone: (312) 768-3604
• Social Media: @BriannaKaylaJ on all platforms

---

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Brianna Johnson.

A dynamic entrepreneur and founder of Legend Life Financial. Here's a breakdown of the key highlights and insights from the episode:

---

🔑 Key Themes & Takeaways 1. Early Entrepreneurship

• By age 22, Brianna owned two clothing stores and a hair salon in Chicago.
• Inspired by her father, a long-time financial services professional, she developed a strong entrepreneurial spirit early on.

2. Transition to Financial Services

• At 24, she pivoted into financial services, initially resistant to the idea due to its lack of “cool” appeal.
• She passed her state licensing exam and is now licensed in over 30 states.
• Her company, Legend Life Financial, focuses on life insurance and financial education.

3. Insurance Education & Transparency

• Brianna emphasizes the importance of understanding the differences between:
  • Term Life Insurance: Affordable, fixed for a set term (e.g., 20–30 years), but can increase if it's an annual renewable term.
  • Whole Life Insurance: Permanent, more expensive, builds cash value slowly.
  • Indexed Universal Life (IUL): Tied to stock market performance with capped gains and protected downside.
  • Universal Life: Flexible premiums, moderate cash value growth.
  • Final Expense Policies: For individuals with health or legal issues, typically lower coverage.

4. Client Advocacy

• She stresses the need to ask questions like “What type of policy is this?” and to avoid blindly trusting agents—especially those who may not stay in the business long-term.
• She follows up with clients regularly and educates them on evolving insurance needs.

5. Mentorship & Impact

• Brianna has mentored over 250 life insurance agents and served more than 5,000 families.
• She’s passionate about empowering people of color through financial literacy and entrepreneurship.

---

💬 Notable Quotes

• “Fear is just false expectations appearing real.”
• “Everything you want is on the other side of fear.”
• “You don’t have to work more to make more—you just have to work smarter.”

---

📍 Contact & Resources

• Website: LegendLife.com (spelled with a “Z” – LegzendLife.com)
• Phone: (312) 768-3604
• Social Media: @BriannaKaylaJ on all platforms

---

#SHMS #STRAW #BEST

See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard.

---

Purpose of the Interview

The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned.

---

Key Takeaways

1. Background and Career Path

   • Latrease has a finance degree and started in investment operations in 1999.
   • Transitioned from auto financing and co-owning a car dealership to mortgage lending.
   • Became an independent mortgage broker in 2022 after being laid off during rising interest rates.

2. Role of an Independent Mortgage Broker

   • Holds her own license and partners with multiple lenders to offer tailored loan products.
   • Advocates for borrowers to ensure they get the right product, not just approval.
   • Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges.

3. Home Financing Insights

   • Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance.
   • Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs.
   • FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers.

4. Credit Challenges

   • Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates.
   • Latrease consults and provides “what-if” scenarios to help clients improve credit over time.

5. Entrepreneurial Lessons

   • Mistakes: Starting without enough capital and a strong pipeline; economic timing matters.
   • Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent.

---

Notable Quotes

• On independence:
  “As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.”

• On reverse mortgages:
  “The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.”

• On credit challenges:
  “Programs go as low as 500 credit score, but those borrowers need 10–20% down.”

• On entrepreneurial advice:
  “Make sure you have strong capital and a solid pipeline before stepping out on faith.”

• On perseverance:
  “It’s all about follow-through. It’s all about your dream and whether you want to make it happen.”

---

#SHMS #STRAW #BEST

Support the show: https://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Marsha Evans.

A licensed mental health therapist, founder of Willow Tree Counseling & Educational Center, and creator of the FELT Experience and Marsha Listens wellness platform. The conversation centers on emotional health, nervous system education, sound therapy, community healing, and her evolution as a therapist and entrepreneur. Marsha shares her personal journey from being a competitive athlete to becoming a calming force for high‑functioning individuals dealing with burnout, stress, and emotional disconnection.

She explains the origins of her signature FELT Experience, a wellness model designed to help people reconnect with themselves through somatic movement, sound healing, intentional rest, and community. She also highlights the challenges and breakthroughs in mental health—particularly within the Black community—and reflects on 16+ years of therapeutic practice.

---

Purpose of the Interview

The interview aims to:

1. Introduce Marsha Evans’ holistic mental health approach

Rushion invites Marsha to explain how she blends psychology, somatics, and sound‑based healing to help people process stress differently. 

2. Explain the FELT Experience and its healing framework

Marsha details her signature F.E.L.T. model—Free, Expand, Listen, Transform—and why embodied emotional experience is key to healing. 

3. Share her personal journey

She discusses how sports, music, and modalities like breathwork and yoga helped her turn stress into purpose. 

4. Encourage new perspectives on mental health in the Black community

She and Rushion address the stigma, evolution, and growing acceptance of mental health support. 

5. Showcase community‑centered healing

Marsha emphasizes connection, shared experiences, and intentional spaces that allow vulnerability and transformation. 

---

Key Takeaways 1. Healing Requires Intentionality

Marsha explains that activities like massage or yoga can be therapeutic—but only when approached with intentionality, presence, and consent to release emotional tension. 

2. The Body Holds Stories (“The body keeps the score”)

She emphasizes that the body stores emotional experiences, and modalities like breathwork, sound healing, and somatic movement help release what the mind can’t articulate. 

3. The FELT Framework

The FELT Experience moves participants through:

• F – Free: Permission to just be (coloring, resting, arriving without expectations)
• E – Expand: Allowing the body to open and receive
• L – Listen: To one’s own body, movement, and emotional cues
• T – Transform: The hardest phase—moving from chaos to peace 

4. Safe Community Spaces Accelerate Healing

Marsha’s events often result in participants forming friendships, emotional breakthroughs, and even planning outings together—an indicator of her program’s power. 

5. People Are Conditioned to Avoid Emotions

Growing up, she was taught to hide emotions in competitive sports—especially tears as a sign of weakness. Her therapeutic mission now is to help others unlearn similar conditioning. 

6. Cultural Shifts Around Mental Health

Marsha highlights major strides in t

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard.

---

Purpose of the Interview

The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned.

---

Key Takeaways

1. Background and Career Path

   • Latrease has a finance degree and started in investment operations in 1999.
   • Transitioned from auto financing and co-owning a car dealership to mortgage lending.
   • Became an independent mortgage broker in 2022 after being laid off during rising interest rates.

2. Role of an Independent Mortgage Broker

   • Holds her own license and partners with multiple lenders to offer tailored loan products.
   • Advocates for borrowers to ensure they get the right product, not just approval.
   • Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges.

3. Home Financing Insights

   • Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance.
   • Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs.
   • FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers.

4. Credit Challenges

   • Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates.
   • Latrease consults and provides “what-if” scenarios to help clients improve credit over time.

5. Entrepreneurial Lessons

   • Mistakes: Starting without enough capital and a strong pipeline; economic timing matters.
   • Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent.

---

Notable Quotes

• On independence:
  “As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.”

• On reverse mortgages:
  “The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.”

• On credit challenges:
  “Programs go as low as 500 credit score, but those borrowers need 10–20% down.”

• On entrepreneurial advice:
  “Make sure you have strong capital and a solid pipeline before stepping out on faith.”

• On perseverance:
  “It’s all about follow-through. It’s all about your dream and whether you want to make it happen.”

---

#SHMS #STRAW #BEST

Support the show: https://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily.  I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur.  Keep winning!

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard.

---

Purpose of the Interview

The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned.

---

Key Takeaways

1. Background and Career Path

   • Latrease has a finance degree and started in investment operations in 1999.
   • Transitioned from auto financing and co-owning a car dealership to mortgage lending.
   • Became an independent mortgage broker in 2022 after being laid off during rising interest rates.

2. Role of an Independent Mortgage Broker

   • Holds her own license and partners with multiple lenders to offer tailored loan products.
   • Advocates for borrowers to ensure they get the right product, not just approval.
   • Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges.

3. Home Financing Insights

   • Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance.
   • Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs.
   • FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers.

4. Credit Challenges

   • Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates.
   • Latrease consults and provides “what-if” scenarios to help clients improve credit over time.

5. Entrepreneurial Lessons

   • Mistakes: Starting without enough capital and a strong pipeline; economic timing matters.
   • Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent.

---

Notable Quotes

• On independence:
  “As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.”

• On reverse mortgages:
  “The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.”

• On credit challenges:
  “Programs go as low as 500 credit score, but those borrowers need 10–20% down.”

• On entrepreneurial advice:
  “Make sure you have strong capital and a solid pipeline before stepping out on faith.”

• On perseverance:
  “It’s all about follow-through. It’s all about your dream and whether you want to make it happen.”

---

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.