Podcast
Loans Elevated
Hosted by The Lassig Team at CrossCountry Mortgage · EN
The Loans Elevated Podcast delivers clear, strategic conversations on mortgages, real estate, and homeownership.
Hosted by Broch Lassig alongside TJ Heidenreich and Ryan King of The Lassig Team, a top 1% nationally ranked mortgage team, the show explores how housing decisions impact your financial future.
Each episode breaks down real-world mortgage strategy, market dynamics, and the role homeownership plays in building wealth, managing debt, and creating long-term optionality.
Whether you’re a homeowner, first-time buyer, or real estate professional, Loans Elevated helps you think differently about real estate and use it as a tool, not just a transaction.
15episodes
Episodes
Newest firstAll episodes
Episode 193: The 80/20 Rule, Active Triage, and Surviving Market Crashes with Emily Lowry
5d ago01:06:53Tap to summarizeIn this episode of the Loans Elevated Podcast, we sit down with industry veteran Emily for an open, masterclass-level discussion on navigating high-level ambition, family life, and long-term career survival in real estate. Emily brings 20+ years of real estate experience to the table—from managing 75 concurrent new construction builds and scaling to principal broker in her 20s, to navigating the devastating 2008 crash overnight and stepping back into leadership. Whether you’re an agent, broker, loan officer, or business owner struggling with burnout and distraction, this episode delivers tangible frameworks for focus, leadership, and resilience. 💡 Key Takeaways & Discussion Highlights:Active Triage vs. Balance: Why "balance" is a continuous active process rather than a static goal, and how learning to mentally detach from what you can’t control allows full focus on what’s in front of you. The 80/20 Distraction Trap: How professionals confuse learning every new tech tool or chasing vanity metrics with real productivity. Emily breaks down how to identify the actual 20% that drives profits and human connection. The Extreme Contrast Exercise: A 10/10 strategic framework for your business—what 10 things would you invest in if you hit total success, versus what 10 things would you cut if you missed your goals completely? Client Care as Emotional Fiduciaries: Why real estate isn't just transactional—it’s about managing vulnerability, setting clients at ease, and building trust. Vulnerable Leadership & Tough Love: How to create a culture that accepts mistakes as learning tools while maintaining strict team accountability.Send us Fan Mail🎙 Loans Elevated PodcastClear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.🔗 Resources & links: https://lassigteam.com📲 Follow us on Instagram & Facebook: @loanselevatedHosts:Broch Lassig - Branch Manager | NMLS 340314 TJ Heidenreich - Sales Manager | NMLS 1802412 Ryan King - Loan Officer | NMLS 1870771 Branch NMLS 2048956Equal Housing Opportunity.All loans subject to underwriting approval. Certain restrictions may apply.CrossCountry Mortgage, LLC | NMLS 3029 www.nmlsconsumeraccess.orgThis podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.
Transcribe →Episode 192: The Reality of Airbnb Regulations in Utah: What Investors and Neighbors Need to Know
2w ago00:27:06Tap to summarizeSalt Lake City just sent shockwaves through the local housing market by passing major new restrictions on short-term rentals (STRs). Effective July 1st, the rules for Airbnb and Vrbo hosts have shifted toward heavier business regulation. In this episode of the Loans Elevated Podcast, we dive deep into what these changes mean for homeowners, local neighborhoods, and real estate investors. We break down the specific details of the ordinance—including the controversial 200-night annual cap, mandatory parking spaces, and safety inspections. We also share a cautionary tale of a past client down in St. George who found themselves $200,000 upside down after local restrictions shifted overnight. Plus, we share the exact "foolproof analysis" every sophisticated investor needs to run to protect their portfolio from future city laws. Send us Fan Mail🎙 Loans Elevated PodcastClear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.🔗 Resources & links: https://lassigteam.com📲 Follow us on Instagram & Facebook: @loanselevatedHosts:Broch Lassig - Branch Manager | NMLS 340314 TJ Heidenreich - Sales Manager | NMLS 1802412 Ryan King - Loan Officer | NMLS 1870771 Branch NMLS 2048956Equal Housing Opportunity.All loans subject to underwriting approval. Certain restrictions may apply.CrossCountry Mortgage, LLC | NMLS 3029 www.nmlsconsumeraccess.orgThis podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.
Transcribe →Episode 191: Is the Traditional "Starter Home" Dead in Utah?
3w ago00:33:15Tap to summarizeThe standalone single-family home with a big yard and a white picket fence in a prime Wasatch Front neighborhood is officially a thing of the past. Post-COVID, Utah’s housing market entered parabolic, "hockey-stick" growth, shifting core metro areas closer to the reality of major hubs like Denver. But sitting on the sidelines waiting for a crash is only putting homeownership further out of reach. In Episode 191, we break down why shifting your mindset from a simple transaction to a long-term wealth strategy changes the game completely. If you want to win the game, you have to get on the field and play it. In this episode, we cover:The New Rules of "Starter Homes": Strategic pathways to enter the market right now, including house hacking, pivoting to townhomes or condos in commercial growth zones (like Saratoga Springs), and shifting to rural outskirts. Creative Financing Case Study: How we restructured a real client's financial picture to comfortably boost their purchasing power from a $2,400 budget to a $3,000 mortgage without adding a single dollar of extra out-of-pocket monthly expense.The Power of ADUs & Mother-in-Law Basements: A massive qualification hack that allows lenders to use projected rental income to help you buy a bigger, more functional home. Multi-Generational Wealth: Pooling family equity to secure highly appreciating assets in top-tier Utah locations.Send us Fan Mail🎙 Loans Elevated PodcastClear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.🔗 Resources & links: https://lassigteam.com📲 Follow us on Instagram & Facebook: @loanselevatedHosts:Broch Lassig - Branch Manager | NMLS 340314 TJ Heidenreich - Sales Manager | NMLS 1802412 Ryan King - Loan Officer | NMLS 1870771 Branch NMLS 2048956Equal Housing Opportunity.All loans subject to underwriting approval. Certain restrictions may apply.CrossCountry Mortgage, LLC | NMLS 3029 www.nmlsconsumeraccess.orgThis podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.
Transcribe →Episode 190: Cash vs. Mortgage | Why Being Debt-Free Can Be an Expensive Mistake
4w ago00:20:44Tap to summarizeShould you buy your next property in cash or aggressively pay off your current mortgage early?On this episode of the Loans Elevated podcast, Broch and TJ look past the emotional "debt-free" headlines to break down the hidden risks of tying up all your liquidity in a single asset. Did you know that 40% of US homeowners are completely mortgage-free, and 27% of current buyers are paying in cash? While running away from a 6% or 7% interest rate sounds like an immediate return on paper, doing it at the expense of your liquid reserves can put you in a dangerously volatile financial position.We dive layers deep into the numbers behind strategic debt, opportunity costs, and how to utilize your home financing to maximize your long-term wealth potential.In this episode, we discuss:Consumer Debt vs. Strategic Debt: Why a mortgage is a tool to be optimized, not toxic debt to flee from.The Illiquidity Risk: How dumping all your cash into a home leaves you completely exposed to everyday financial storms or sudden job loss.The Opportunity Cost of Cash: Comparing mortgage rates against historical, low-double-digit S&P 500 portfolio compounding.The Silver Lining of Higher Rates: How higher interest payments translate to massive tax advantages and larger deductions at the end of the year.Who Should Pay Cash? The specific scenarios (and risk tolerances) where oversimplifying your debt load actually makes strategic sense.🔗 Resources & LinksGrab Your Free Copy of Our HMP eBook: https://www.loanselevated.com/holistic-mortgage-planningVisit Our Website: loanselevated.comConnect with The Lassig Team: email: lassigteam@ccm.com | phone: (801) 713-4000Send us Fan Mail🎙 Loans Elevated PodcastClear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.🔗 Resources & links: https://lassigteam.com📲 Follow us on Instagram & Facebook: @loanselevatedHosts:Broch Lassig - Branch Manager | NMLS 340314 TJ Heidenreich - Sales Manager | NMLS 1802412 Ryan King - Loan Officer | NMLS 1870771 Branch NMLS 2048956Equal Housing Opportunity.All loans subject to underwriting approval. Certain restrictions may apply.CrossCountry Mortgage, LLC | NMLS 3029 www.nmlsconsumeraccess.orgThis podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.
Transcribe →Episode 189: The Warsh Era Begins: The Fed Flipped 180° & What it Means for Real Estate
Jun 2500:23:11Tap to summarizeThe playbook has officially been flipped on its head. In this episode of the Loans Elevated podcast, we break down the massive philosophical shift under new Fed Chair Kevin Warsh following his explosive first SEP press conference. From refusing to participate in the dot plot to declaring an end to forward guidance, Warsh is entirely changing how the financial markets operate. We discuss his direct, data-driven approach, his explicit acknowledgment that current policy is restricting the housing market, and the launch of new AI-backed task forces designed to completely modernize Fed analytics. Closer to home, we dive into the latest Utah real estate data. Despite serious economic headwinds and market volatility, Utah’s median home price has climbed to $525,000. We look at why inventory is up, why houses are selling faster, and how savvy buyers are leveraging historic concessions to secure incredible returns on investment in today's market. What We Cover in This Episode:The death of forward guidance and why the markets will now guide the Fed. Kevin Warsh’s direct, non-political approach to true Fed independence. Dismantling antiquated data: The rollout of AI and real-time private sector analytics task forces. What the "left of the decimal point" focus means for the 2% inflation target. Utah Market Update: Prices rise 1.9% month-over-month while days on market drop. How an 80% or 62.5% ROI is completely realistic for Utah homeowners right now. Case Study: How a recent client secured 9% in concessions to slash their pricing and closing costs. Send us Fan Mail🎙 Loans Elevated PodcastClear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.🔗 Resources & links: https://lassigteam.com📲 Follow us on Instagram & Facebook: @loanselevatedHosts:Broch Lassig - Branch Manager | NMLS 340314 TJ Heidenreich - Sales Manager | NMLS 1802412 Ryan King - Loan Officer | NMLS 1870771 Branch NMLS 2048956Equal Housing Opportunity.All loans subject to underwriting approval. Certain restrictions may apply.CrossCountry Mortgage, LLC | NMLS 3029 www.nmlsconsumeraccess.orgThis podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.
Transcribe →Episode 188: 3-Star General Reveals the Hidden VA Loan Secret Most Vets Miss
Jun 1800:38:09Tap to summarizeIn this week's episode of Loans Elevated, we are joined by an incredibly special couple who flew in just for this conversation: retired U.S. Army 3-Star General Doug Gabram and his wife Lori, an Army Veteran and combat nurse. Together, they share their raw, inspiring journey of military service, from dating in college and deploying to Desert Storm, to Lori's time as a head nurse treating the captured Black Hawk Down pilot, Michael Durant. But beyond the high-adventure stories, Doug and Lori expose a shocking reality that affects military families across the nation: a massive gap in long-term financial and real estate education. Despite utilizing their VA benefits multiple times throughout a 38-year career, they had absolutely no idea that VA Construction Loans existed until they went to build their retirement dream home in Montana. Tune in as we break down the complex, underutilized strategies of VA financing, why the system is failing to educate exiting service members, and how you can use optimized leverage to build massive wealth. What You'll Learn In This Episode:The $0-Down Custom Build: How VA construction mortgages allow you to build multi-million dollar properties with zero down payment and zero loan limits. The "Unfair" Seller Concession Hack: A wildly powerful strategy in today's market where you can negotiate to have the seller pay off your personal credit cards or car loans at closing. Overcoming the Stigma of VA Disability: Why claiming your earned disability rating is critical for your future health, and how it instantly saves you thousands by waiving the VA funding fee. The Reality of Military Sacrifice: Lori shares what it's really like managing a family and moving bases alone while a spouse is deployed for years at a time. Inside the Ranks: What a "humble cut" looks like when rising through the ranks to become one of only 40 to 45 3-Star Generals in the entire Army. Send us Fan Mail🎙 Loans Elevated PodcastClear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.🔗 Resources & links: https://lassigteam.com📲 Follow us on Instagram & Facebook: @loanselevatedHosts:Broch Lassig - Branch Manager | NMLS 340314 TJ Heidenreich - Sales Manager | NMLS 1802412 Ryan King - Loan Officer | NMLS 1870771 Branch NMLS 2048956Equal Housing Opportunity.All loans subject to underwriting approval. Certain restrictions may apply.CrossCountry Mortgage, LLC | NMLS 3029 www.nmlsconsumeraccess.orgThis podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.
Transcribe →Episode 187: Utah's AI infrastructure Dilemma: Water, Power, National Security, and the Kevin O'Leary Data Center
Jun 1101:12:03Tap to summarizeThe Big Lie About Utah’s Data Centers? Are Utah’s massive new data center projects an environmental threat to our natural resources, or the biggest economic opportunity of the decade?In this episode of the Loans Elevated podcast, Broch sits down with land preservation expert, real estate developer, and former Chair of the Quality Growth Commission, Jarren Davis. Together, they pull back the curtain on the massive AI and data center boom taking over Utah, including the highly controversial Kevin O’Leary project. Jarren breaks down the real numbers behind closed-loop water systems, behind-the-meter natural gas power generation, and how these facilities actually impact rural Utah economies. If you want to cut through the media hype and emotional headlines to see the actual data on national security, MIDA, and infrastructure, this is an episode you can't afford to miss. In this episode, we discuss:The Math on Water Usage: How modern closed-loop data centers actually compare to Utah's alfalfa farms and golf courses. The Power Grid Debate: What "behind-the-meter" power generation means and why these projects won't double your residential utility bill. Economic Lifelines for Rural Utah: The reality of high-paying jobs and massive property tax revenue for underserved local communities. Debunking the Heat Map Myths: A real-world look at the controversial "23 atomic bombs" heat claim. Nuclear Energy & National Security: The upcoming Gen 3 nuclear reactor test in Emery County and the geopolitical need for massive compute capacity. Send us Fan Mail🎙 Loans Elevated PodcastClear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.🔗 Resources & links: https://lassigteam.com📲 Follow us on Instagram & Facebook: @loanselevatedHosts:Broch Lassig - Branch Manager | NMLS 340314 TJ Heidenreich - Sales Manager | NMLS 1802412 Ryan King - Loan Officer | NMLS 1870771 Branch NMLS 2048956Equal Housing Opportunity.All loans subject to underwriting approval. Certain restrictions may apply.CrossCountry Mortgage, LLC | NMLS 3029 www.nmlsconsumeraccess.orgThis podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.
Transcribe →Ep 186: Cracking the AI Code | Why Your Business Isn't Ranking with Kimber Walton
Jun 401:09:48Tap to summarizeWhy didn't ChatGPT rank a top 1% national mortgage team as the best in Utah?In this episode of the Loans Elevated Podcast, we sit down with Kimber Walton, a Keller Williams expert obsessed with AI, research, and understanding what the tech revolution means for real estate professionals. If you’ve ever felt overwhelmed by the sheer volume of new AI tools, this conversation is the filter you've been looking for. They pull back the curtain on why traditional SEO is shifting, how Google's newest review guidelines might actually be penalizing your business growth, and why visual aesthetics matter far less to algorithms than raw data. They also map out the exact platforms AI models pull from, how to build an "agentic" workflow using Claude Cowork, and why the future of real estate ultimately still belongs to relationship-driven professionals. Send us Fan Mail🎙 Loans Elevated PodcastClear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.🔗 Resources & links: https://lassigteam.com📲 Follow us on Instagram & Facebook: @loanselevatedHosts:Broch Lassig - Branch Manager | NMLS 340314 TJ Heidenreich - Sales Manager | NMLS 1802412 Ryan King - Loan Officer | NMLS 1870771 Branch NMLS 2048956Equal Housing Opportunity.All loans subject to underwriting approval. Certain restrictions may apply.CrossCountry Mortgage, LLC | NMLS 3029 www.nmlsconsumeraccess.orgThis podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.
Transcribe →Episode 185: The Truth About Kevin Warsh, Jerome Powell, and Mortgage Rates
May 2800:34:16Tap to summarizeThe Federal Reserve just entered a brand-new era with the swearing-in of Kevin Warsh as Chairman. But the transition is anything but standard. Former Chair Jerome Powell is pulling a rare move not seen since 1948, refusing to leave the Fed completely and staying on as a governor.In this week's episode of Loans Elevated, the Lassig Team breaks down this historic, razor-thin 54-45 Senate vote and what it means for your wallet. We contrast Powell’s reactive, "rear-view mirror" leadership style with Warsh's proactive, hawkish "windshield" approach. More importantly, we dive into the data to explain why standard inflation metrics are lying to you, what the "Trimmed Mean PCE" actually says about the economy, and why trying to time the real estate market to find the "bottom" is a massive financial mistake.What we cover:The historic and highly divided swearing-in of Kevin Warsh.Why Jerome Powell is staying on the Board of Governors (and the 1948 Truman precedent).Powell vs. Warsh: Moving from economic defense to proactive offense.What is the "Trimmed Mean PCE" and why it shows inflation is closer to 2% than you think.The critical difference between the Fed Funds Rate and actual mortgage rates.The $3,000 mistake: Why market timing and catching a "falling knife" ruins liquidity.Holistic mortgage planning strategies to weather any economic storm.Send us Fan Mail🎙 Loans Elevated PodcastClear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.🔗 Resources & links: https://lassigteam.com📲 Follow us on Instagram & Facebook: @loanselevatedHosts:Broch Lassig - Branch Manager | NMLS 340314 TJ Heidenreich - Sales Manager | NMLS 1802412 Ryan King - Loan Officer | NMLS 1870771 Branch NMLS 2048956Equal Housing Opportunity.All loans subject to underwriting approval. Certain restrictions may apply.CrossCountry Mortgage, LLC | NMLS 3029 www.nmlsconsumeraccess.orgThis podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.
Transcribe →Episode 184: How to Shop for a Mortgage Without Getting Ripped Off – The Truth About Rates, Points, and Fees
May 2100:35:57Tap to summarizeAre you shopping for a mortgage based only on getting the lowest interest rate and monthly payment? You might be walking straight into a predatory lending trap. In this week’s episode of Loans Elevated, we strip away the emotional manipulation of the mortgage industry and break down the tactical, holistic reality of how loans are actually structured. Discover why standard billboard rate quotes often hide tens of thousands of dollars in sneaky upfront fees, how to spot an unbinding pre-contract "loan summary" bait-and-switch, and why buying down your interest rate might actually be lighting your family's money on fire. What we cover in this episode:Why mortgage shopping feels so incredibly confusingWhere mortgage rates actually come from (the reality of the secondary market)The math behind the 42-month break-even trap on rate buydownsOpportunity cost: Mortgage payments vs. investing in the market Section A lender fees vs. third-party fees: What your lender actually controlsCase Study: How a Montana buyer saved tens of thousands without a new loanWant to make sure you aren't getting ripped off? Use our Strategic Mortgage Audit tool. It’s 100% complimentary, requires no obligation, and we will give you a completely honest second opinion on your loan structure.https://www.loanselevated.com/mortgage-audit Send us Fan Mail🎙 Loans Elevated PodcastClear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.🔗 Resources & links: https://lassigteam.com📲 Follow us on Instagram & Facebook: @loanselevatedHosts:Broch Lassig - Branch Manager | NMLS 340314 TJ Heidenreich - Sales Manager | NMLS 1802412 Ryan King - Loan Officer | NMLS 1870771 Branch NMLS 2048956Equal Housing Opportunity.All loans subject to underwriting approval. Certain restrictions may apply.CrossCountry Mortgage, LLC | NMLS 3029 www.nmlsconsumeraccess.orgThis podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.
Transcribe →