"I Heard That" (Podcast) with Coach Clarence

Buy Now or Wait? Mortgage Rates, Home Prices & the Cost of Waiting

Should you buy a house now—or wait for mortgage rates to come down? It's one of the biggest questions homebuyers are asking. Between mortgage rates, high home prices, a

Buying Your First Home in Phoenix? Do THIS Before You Start Looking

Thinking about buying your first home in Phoenix, Arizona? Before you start scrolling through Zillow and scheduling home tours, there are a few important steps you shoul

Bank Statement Loans Explained: A Mortgage Guide for the Self-Employed

Are you self-employed, making good money, but struggling to qualify for a mortgage? You aren't alone. Business owners, entrepreneurs, freelancers, independent contracto

When the Bank Says No: Alternative Funding for Business Owners & Real Estate Investors

Your bank said no. Does that mean your business idea or real estate opportunity is dead? Not necessarily. In this episode of I Heard That Podcast, Coach Clarence expla

The Truth About HIV: Marie Niles on Breaking the Stigma Through Education

Many people think they understand HIV—but much of what they believe is outdated or simply incorrect. In this episode of I Heard That Podcast, Coach Clarence sits down wi

Fix Your Credit Fast? Separating Credit Repair Myths from Reality

Everyone wants a higher credit score, especially when they're preparing to buy a home. Unfortunately, social media has created unrealistic expectations about what can ac

Divorce, Mortgages & Your Financial Future

Divorce, Mortgages & Your Financial Future Episode Description Divorce is one of life's most emotional transitions, and it's also one of the most financially complex.

Don't Buy a House Until You Listen to This

Think getting pre-approved means you're in the clear? Not so fast. In this episode, I share the nine biggest mistakes that can jeopardize your mortgage before closing a

Credit Report Changes Came in July That Could Affect Millions

Starting July 1, 2026, several major credit and debt changes could affect millions of Americans. In this episode, we break down four important updates involving student

Don't Buy a House Until You Understand These Hidden Costs

In this episode of the "I Heard that!" Podcast, Coach Clarence tackles one of the biggest mistakes homebuyers make: confusing mortgage pre-approval with true affordabilit

Boss Lady Tina Marie Built an Empire Out of Her Pain

Learn how Boss Lady Tina Marie balances successful entrepreneurship with critical advocacy for human trafficking survivors. Coach Clarence hosts this raw conversation wi

First-Time Homebuyer Tips: How to Know If You’re Ready to Buy in Phoenix

Is now actually a good time to buy a house in Phoenix, or should first-time homebuyers wait? In this episode, we break down what today’s market really means for first-ti

Why the Wealthy Want You to Rent While They Buy Real Estate

Are you being told that renting is smarter than buying? Before you sign another lease, you need to understand who really benefits when you keep renting. In this episode

Can You Afford That House? A 3-Step Payment Formula Before You Buy

Before you fall in love with a home, know what payment actually fits your life. In this episode, we break down three simple ways to estimate your affordable house payment

You Don’t Need a 700 Credit Score to Buy a Home in Phoenix

Think you need a 700 credit score to buy a home in Phoenix? Think again. In this episode, I break down the truth about credit scores, FHA, VA, USDA, conventional loans,

Fear Is Quietly Pricing Buyers Out

Everybody keeps saying the same thing right now: “Just wait.” Wait for rates to drop. Wait for prices to fall. Wait for the market to get better. But what happens when

The Housing Market Lie Keeping Buyers Stuck Right Now

Everybody keeps saying the same thing right now: “Just wait.” Wait for rates to drop. Wait for prices to fall. Wait for the “perfect” time to buy. But what if waiting

How Seasonal Income Affects Mortgage Approval for Homebuyers and Refinances

In this episode, we break down how seasonal income, contract income, travel nurse income, overtime, commission, and other types of variable income may be reviewed when ap

Is Your Low Mortgage Rate Secretly Keeping You Broke?

Summer expenses are coming fast: camps, vacations, sports, groceries, home repairs, and all the surprise costs that seem to hit at once. But before those bills start stac

Equity Buyout Explained: Keep the Home, Avoid the Wrong Refi

If you’re going through a divorce, separation, or property split and trying to figure out what happens to the house, this episode breaks it down in plain English. We’re t