Confused about credit scores, down payments, or closing costs? You’re not alone. In this episode of Real Talk with Andres & Heather, we’re joined by bilingual loan officer Myriam Rosas to debunk the biggest mortgage myths and help you buy smarter in 2025.

✅ Top 4 misconceptions we tackle:

• You need perfect credit to qualify

• You must have 20% down

• Car loans will disqualify you

• You only need the down payment upfront

Plus, we break down the 5 biggest mistakes that can derail your loan approval...like quitting your job, opening credit lines, or co-signing for someone else.

Whether you’re buying this year or planning ahead, Myriam shares actionable tips on budgeting, soft credit pulls, and working with a lender early to save time and money.

Perfect for: First-time buyers, renters considering ownership, and real estate agents guiding clients through the lending process.

Connect with Myriam Rosas
Bilingual Loan Officer | NMLS#: 2052132
Call or Text: (615) 761‑6797
Apply Now: https://myloan.southwestfunding.com/dr/c/4sfho

New Episodes: Tuesdays & Thursdays at 11:30 AM ET
➕ Follow, subscribe, and share if you're ready to thrive, not just survive.

Join the Community Now → https://heatherfowler.realestateus.co/realtalkwebinar

• (00:00:04) - Real Talk with Heather and Andre
• (00:00:55) - Live Stream: Heavenly Clouds
• (00:02:19) - How a Real Estate Lender Met His Wife
• (00:07:11) - Home Loans: Made Simple
• (00:12:42) - The Down Payment and Other Costs of Buying a Home
• (00:16:45) - Lender Advice for Buying a Home
• (00:22:23) - How to Get Your Home Loan Funded
• (00:24:15) - Real Estate Minute: Talking to a Lender
• (00:30:12) - Buyer's Consultation: How to Prepare to Buy a Home
• (00:35:32) - Everybody Can Buy a Home
• (00:36:38) - Real Estate Talk: Challenges
• (00:39:45) - Morgan Mortgages Expands With Andre

In this powerful episode of Real Talk with Heather and Andres, we unpack the five core reasons 75% of new real estate agents don't make it past their first year—and how to flip that stat in your favor. Whether you're just getting started or feeling stuck, you'll discover how to treat your business like a business, create consistent lead flow, budget smarter, follow up like a pro, and stay mentally tough in the face of setbacks. Heather and Andres share personal stories, hard-earned lessons, and practical systems that actually move the needle.

What you'll learn:

• Why inconsistent lead gen kills your pipeline & how to fix it

• Smart ways to stretch every dollar without burnout

• How poor follow-up silently steals deals

• The mindset shift that changed everything for Andres

• Systems that separate top agents from hobbyists

New episodes Tuesdays & Thursdays at 11:30am ET.
️ Follow, subscribe, and share if you're ready to thrive, not just survive.

Join now!!

️ Welcome to *Real Talk with Heather & Andres*

where what you hear is what you get.

This isn’t your polished, pre-recorded podcast. We go LIVE every Tuesday & Thursday to bring you raw, unfiltered conversations on what it *really* takes to succeed in real estate, business, and life.

Live means real mistakes, real advice, and real growth in real time.

In this first episode:
- Why we launched this unedited, unscripted podcast
- Heather’s struggle balancing divorce, kids, and being an agent
- Andres’s backstory immigration, mindset, and building behind-the-scenes systems at Cloud Realty
- Why so many agents burn out and how to stay in the game
- Embarrassing real estate stories (yes, we all have them)
- What this podcast is *really* about: building trust, telling the truth, and helping entrepreneurs stop feeling stuck

Tune in LIVE every Tuesday & Thursday at 11:30 AM ET. Ask questions. Send topics. Or just show up and listen in we're here for it all.

Want us to cover a specific challenge? Contact us!