HeyJared#AskElla SHOW
Hi, I'm Ella Gurfinkel, your host of the AskElla Show and senior loan officer at Fairway Independent Mortgage.
- Indexed episodes, last 90 days
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- Sep 9, 2026
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- Jul 13, 2026
Latest episodes
The Biggest Mortgage Collapse in US History Just Got Worse (opens the original)
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Is the U.S. housing market heading toward another crash, or are we watching something very different from 2008? Mortgage demand is near multi-decade lows, affordability remains under pressure, and millions of homeowners are holding onto mortgages around 3% while today's buyers face rates above 6%. But the most important part of the story is that housing markets across America are no longer moving in the same direction. In this episode of Ask Ella Show, I break down what the 2026 housing and mort
How Much Income Do You Need to Buy a $500K Home in 2026? (opens the original)
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How much income do you actually need to buy a $500,000 home? $100,000 a year? $150,000? More? The answer isn't as simple as plugging your salary into an online mortgage calculator. In this episode of Ask Ella Show, I break down the real numbers lenders use to determine how much home you can qualify for, including your income, debt-to-income ratio, credit score, down payment, taxes, insurance, PMI, and loan program. But there's an even more important question: just because a lender approves you f
What to Ask a Mortgage Lender in 2026 Before You Sign Anything (opens the original)
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The lowest mortgage rate isn't always the best mortgage deal. Hidden fees, discount points, unrealistic closing promises, and last-minute surprises can cost homebuyers thousands of dollars. The problem is that many buyers don't know which questions to ask until it's too late. In this episode of Ask Ella Show, I share the questions I believe every homebuyer should ask a mortgage lender before choosing who to work with, plus the red-flag answers that should make you think twice. After more than 30
5 Things You MUST Know About Mortgages in 2026 (opens the original)
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Buying a home in 2026? The biggest mistake you can make isn't choosing the wrong house—it's making the wrong mortgage decisions. Many buyers believe they're fully prepared, only to discover hidden lender fees, changing loan rules, or financing problems that can delay—or even kill—their deal. In this episode of Ask Ella Show , I break down the five biggest mortgage mistakes I see buyers making in today's market and explain how to avoid them before they cost you thousands of dollars. Whether you'r
The 1879 Trick That Still Controls Your Brain in 2026 (opens the original)
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Why does almost every price end in .99 ? It’s not random. It’s psychology. From Amazon and Costco to real estate listings and mortgage offers, businesses use pricing strategies designed to influence how your brain perceives value—and most people don’t even realize it. In this episode of Ask Ella Show , I break down the fascinating psychology behind charm pricing , explain the famous left-digit effect , and show you why $499,000 feels dramatically different from $500,000 , even though the actual
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