HeyJaredSmart Mortgage Show with Bill Litton
If you have questions about the mortgage process of buying a home or the ins and outs of refinancing then this is the show for you.
- Indexed episodes, last 90 days
- 11
- Latest publication
- Sep 17, 2026
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- Earliest in this view
- Jul 9, 2026
Latest episodes
Wealth Builder Mortgage Explained: A Flexible Loan for High-Cash-Flow Borrowers (opens the original)
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What if your mortgage gave you more control over how you manage your money each month? Bill introduces the Wealth Builder Mortgage, a specialized loan option designed for financially disciplined borrowers who want more flexibility while potentially reducing the interest they pay over time. If you have strong cash flow and want your mortgage to play a more active role in your overall financial strategy, this may be an option worth considering. Here's what we discuss in this episode: 🏠 Wealth Buil
One Star Mortgage Review: The Closing Cost Ambush (opens the original)
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📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/ 📲 Text "LEND" to 21000 to schedule a free 15–minute consultation A surprise at the closing table is one of the last things any home buyer wants. Bill breaks down another one-star review—left for an unnamed lender—involving a sudden $4,200 increase in closing costs. He explains what may have gone wrong behind the scenes and what buyers should expect from a transparent lending process like the one offered by the Litton Team at
Mortgage Rate Update: What Buyers Should Know Right Now (opens the original)
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Waiting for the "perfect" mortgage rate can feel like the smart move, but the market rarely cooperates with anyone's timeline. Bill breaks down the current rate environment, what's happening with the Fed, and why changes in Washington don't always translate immediately into cheaper mortgages. Before you put your plans on hold for a rate that may or may not arrive, make sure you understand what you're really waiting for. Here's what we discuss in this episode: 📈 Market Update: Where rates and con
Should You Buy Down Your Mortgage Rate at Closing? (opens the original)
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Unlocking a lower mortgage payment isn't always as simple as it sounds, especially when "buying down" your rate enters the conversation. Bill explains how permanent rate buydowns work and when they may or may not fit your long-term plans. Before you lock in a loan, make sure you know whether paying points actually pays off for you. Here's what we discuss in this episode: 🏠 Mortgage Buydowns: Paying points can permanently lower your rate ⚙️ How It Works: Upfront costs create smaller monthly payme
What "Financially Ready"' Really Means (Beyond Income and Credit) (opens the original)
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A pre-approval can confirm that you qualify for a mortgage, but it cannot answer every question that comes with buying a home. Bill looks beyond the approval letter to explore what it takes to make a home purchase that supports your broader financial picture. He explains why qualifying for a loan and being truly prepared for homeownership are not always the same thing. Listen in for a more thoughtful approach to making one of life's biggest financial decisions. Here's what we discuss in this epi
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