Loan Arranger Radio

Hosted by Bruce Woodburn

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236

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Nov 2026

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About the show

Bruce Woodburn ‘The Loan Arranger’ has been broadcasting financial and mortgage advice to listeners across Orlando for 20 years. He has been a Mortgage Loan Originator in Central Florida for 32 years and has helped over 9,000 families achieve their dream of homeownership. He has a passion for sharing his knowledge and expertise to his community and beyond. Subscribe for the latest in finance news and real estate trends without the fluff!

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60 recent

November 1, 202644 min

Property Taxes, Rates & Bridge Loans: Your Pre-Election Florida Housing Update

Property Taxes, Rates & Bridge Loans: Your Pre-Election Florida Housing Update Florida voters decide on Amendment 3 this Tuesday, and Bruce Woodburn, The Loan Arranger, explains why property taxes are the piece of the affordability conversation nobody talks about. In this episode, Bruce explains what the proposed amendment would change, why he plans to vote yes, and what buyers moving to Florida need to know about the December 31 residency deadline. Bruce also covers the latest on mortgage rates, why softer home prices could favor buyers right now, and how his Buy Now, Sell Later bridge loan program could help move-up buyers purchase their next home before selling their current one. In this episode: • What Amendment 3 would change: a proposed homestead exemption increase on non-school taxes, phased in over 2027 and 2028 • Why the proposed non-homestead cap reduction (10% to 5%) could matter to landlords and renters • Ad valorem vs. non-ad valorem taxes, explained in plain English • Moving to Florida? Why Florida residency by December 31 could matter • Mortgage rates: what a 90-basis-point pricing improvement means for your loan costs • Negotiating price vs. seller-paid closing costs: which saves you more? • The Loan Arranger Real Estate Rebate Program: a vetted agent plus up to 25% of the agent's commission back to you • Stuck on a 3% rate? Why your family's needs should come before the rate • Buy Now, Sell Later: how bridge financing could help you buy first, then sell from a position of strength Don't make the decision and then call. Call Bruce before you make it. Bruce Woodburn – The Loan Arranger 📞407-250-9144 | 🌐WeBringYouHome.com NMLS# 228431 | CrossCountry Mortgage LLC | Winter Park, FL Subscribe on YouTube: Bruce Woodburn The Loan Arranger Amendment 3 details reflect the proposed amendment as of recording and are subject to the election outcome and any legal developments. Bridge financing and all loan programs are subject to borrower qualification and program guidelines. This episode is for informational purposes only and is not tax or legal advice. #Amendment3 #FloridaPropertyTax #HomesteadExemption #FloridaRealEstate #TampaRealEstate #MortgageRates #BuyNowSellLater #BridgeLoan #HomeBuyingTips #MoveUpBuyer #TheLoanArranger #BruceWoodburn #CrossCountryMortgage #WeBringYouHome

October 25, 202644 min

Stop Renting, Start Building Wealth: Bridge Loans, Debt Payoff & the Rebate Program | The Loan Arranger

Stop Renting, Start Building Wealth: Bridge Loans, Debt Payoff & the Rebate Program | The Loan Arranger Are you waiting for rates to drop before you buy? Bruce Woodburn, The Loan Arranger with CrossCountry Mortgage, explains why sitting on the sidelines as a renter could cost you far more than today's interest rate. He also covers the tools that help buyers, move-up buyers and homeowners get ahead right now. In this episode: • The rent trap: the gap between the average renter's net worth and the average homeowner's • How parents and grandparents can help the next generation become homeowners • Lessons from the high-rate '70s: why buying in tougher markets can pay off in equity • Buy Now, Sell Later: how CrossCountry Mortgage's bridge loan program helps you buy your next home before selling your current one • Direct lender vs. bank: why Bruce compares rates side by side on every loan • Veterans: why you should compare your VA options before assuming USAA is the best fit • Debt consolidation case study: how one couple's plan could pay off their home in about 8 years • Self-employed? Bank statement loans with no tax returns required • Investors: why a DSCR loan can beat a conventional investment loan • First-time buyers: down payment assistance, FHA, VA, renovation loans and reverse mortgages • Market update: where rates went this week and what forecasters expect into 2027 • A limited-time Thanksgiving rate buydown offer (call for details) • Employer homeownership program: helping businesses keep their employees longer • The Loan Arranger Real Estate Rebate Program: a handpicked, vetted agent, full approval before you shop, and up to 25% of the agent's commission back to you • Why "meat and potatoes" mortgages keep you safe Ready to buy, refinance, or get out of debt? Call The Loan Arranger today. Bruce Woodburn – The Loan Arranger 📞407-250-9144 | 🌐WeBringYouHome.com NMLS# 228431 | CrossCountry Mortgage LLC | Winter Park, FL All loans subject to credit approval and program eligibility. Terms and conditions apply. Not a commitment to lend. #TheLoanArranger #BruceWoodburn #CrossCountryMortgage #FloridaMortgage #TampaBayRealEstate #OrlandoRealEstate #FirstTimeHomeBuyer #RentVsBuy #BridgeLoan #DebtConsolidation #VALoan #DSCRLoan #SelfEmployedMortgage #MortgageRates #Homeownership #BuildWealth

October 18, 202644 min

Buyers Are Back in Control: How to Win in a High-Rate Market | The Loan Arranger

Buyers Are Back in Control: How to Win in a High-Rate Market | The Loan Arranger Rates are sitting around 7.4%, homes are sitting on the market longer, and Florida is moving sharply into a buyer's market. On this episode of The Loan Arranger, Bruce Woodburn breaks down what that means for buyers, sellers, and homeowners sitting on a mountain of credit card debt — and why waiting on the sidelines could cost you more than the rate ever will. Here's what Bruce covers: - The "golden handcuffs" problem — why putting your interest rate ahead of your family's needs is a mistake, and how to move up without the payment shock - What sellers need to know right now: longer days on market and why pricing has to get realistic - The rent vs. own reality — the net worth gap between renters and homeowners - How to use seller concessions for rate buydowns (temporary and permanent) to make your payment affordable - Getting fully approved up front so you can make offers like a cash buyer - The Real Estate Rebate Program — get matched with a vetted, local agent who can pay you back up to 25% of their commission (up to $10,000) - Bruce's on-time closing guarantee for sellers and why direct lender vs. mortgage broker matters - Why homeowners with 3% rates are still refinancing — debt consolidation that can get you debt-free years sooner - Heads up, realtors: Fannie Mae and Freddie Mac's appraisal process changes and the October 20 Lunch & Learn on Zoom - VA, FHA, USDA, Hometown Heroes, renovation, construction, reverse mortgages, bank statement and DSCR loans — all in-house Every client gets a personal consultation with The Loan Arranger — in person or on Zoom. Start your application today. Bruce Woodburn – The Loan Arranger 📞407-250-9144 | 🌐WeBringYouHome.com NMLS# 228431 | CrossCountry Mortgage LLC | Winter Park, FL #TheLoanArranger #BruceWoodburn #CrossCountryMortgage #FloridaRealEstate #BuyersMarket #MortgageRates #RateBuydown #FirstTimeHomeBuyer #DebtConsolidation #WeBringYouHome

October 11, 202644 min

Buy Now or Keep Waiting? How to Win in a 7.5% Market | The Loan Arranger Show

Rates are sitting around 7.5%, and that's right about where the 40-year average has been. So why are so many buyers still sitting on the sidelines? On this episode of The Loan Arranger Show, I break down why waiting on rates is costing you, how to buy smart in today's market, and why a lot of homeowners with low-rate mortgages should actually be talking to me about a cash-out refinance. In this episode: - The "golden handcuffs": why holding onto a 3% rate can hurt your family when you've outgrown your home - How a full underwriting approval positions you like a cash buyer, even with a 640 score and 3% down - My Real Estate Rebate Program: a vetted local agent who can rebate up to 25% of their commission back to you, up to $10,000 - My 21-day closing promise: close in 21 days or less, or I pay the seller up to $500 for every day we miss - Why a local lender with a full team beats an out-of-state lender or your bank - October offer: a 50 basis point temporary buydown for six months on purchase loans (conventional and FHA only) - Realtors: Fannie Mae and Freddie Mac are overhauling the appraisal process, and the change could hit as soon as November 2 - Lunch & Learn Zoom on October 20, 1:00 to 2:00 PM, with a panel of appraisers already using the new system - Where the market is softening, and why it's an opening for buyers, not a reason to panic - The strategy: pay full price, ask for seller concessions, and use them to buy down your rate - Debt consolidation refinance: how rolling high-interest debt into one payment can put you on a path to a paid-off home before retirement Ready to get started? Book a personal consultation. We start with a soft credit pull. Bruce Woodburn – The Loan Arranger 📞407-250-9144 | 🌐WeBringYouHome.com NMLS# 228431 | CrossCountry Mortgage LLC | Winter Park, FL Offers and programs subject to eligibility, program guidelines, and availability. Not a commitment to lend. #TheLoanArranger #BruceWoodburn #CrossCountryMortgage #FloridaRealEstate #TampaRealEstate #OrlandoRealEstate #FirstTimeHomeBuyer #MortgageRates #RateBuydown #DebtConsolidation #RealtorTips #HomeBuyingTips

October 4, 202645 min

Don't Fear the Rates: Leapfrogging, Bridge Loans & Pricing Your Home Right in Central Florida

Mortgage rates have climbed from the mid-6s toward 7% in just four weeks, and buyers are nervous. Cleve Loveland, Central Florida's Real Estate Planner, and Bruce Woodburn, The Loan Arranger, explain why that fear may be creating the buying opportunity, and how everyday homeowners are using "leapfrogging" to build real estate portfolios and long-term wealth. In this episode: - Leapfrogging explained: keep your current home as a rental, buy your next primary with minimum down, and repeat - Real client stories, from first-time landlords to buyers moving into their fourth and fifth homes - Where mortgage rates are right now and what's driving them: inflation, bonds, and consumer confidence - Bruce's new six-month free 1% temporary buydown on select conventional programs - Seller-paid points, temporary buydowns, and permanent buydowns to lower your payment - Homeowners insurance rates are starting to ease in Florida - Loan options for first-time buyers, move-up buyers, and investors: FHA, VA, USDA, conventional with 3% down, DSCR, and bank statement loans - Why self-employed borrowers should ask about alternative documentation programs - Why full loan approval before you shop makes you look like a cash buyer - Direct lender vs. mortgage broker: why in-house processing, underwriting, and closing matters - Bridge loans: how to buy your next home before you sell your current one - Sellers: what showing activity and buyer feedback are telling you about your price - Why overpricing costs you money, and how strategic pricing can create multiple offers - Featured Central Florida listings in Daytona Beach, Davenport, Apopka, Winter Garden, and Clermont Ready to buy, sell, invest, or refinance? Call Bruce for a personal consultation, in person or on Zoom. Bruce Woodburn – The Loan Arranger 📞407-250-9144 | 🌐WeBringYouHome.com NMLS# 228431 | CrossCountry Mortgage LLC | Winter Park, FL Cleve Loveland – Central Florida Real Estate Planner 📞407-352-8118 | 🌐CleveLoveland.com Rates, programs, and terms are subject to change and borrower qualification. Not all applicants will qualify. mortgage rates, leapfrogging real estate, rental property investing, temporary buydown, 2-1 buydown, seller paid points, bridge loan, buy before you sell, DSCR loan, bank statement loan, self-employed mortgage, first time home buyer Florida, Hometown Heroes, FHA loan, VA loan, USDA loan, conventional loan, direct lender vs broker, home pricing strategy, selling your home, Central Florida real estate, Orlando real estate, Florida homeowners insurance, real estate wealth building, Bruce Woodburn, The Loan Arranger, Cleve Loveland, The Loveland Report #TheLoanArranger #TheLovelandReport #MortgageRates #Leapfrogging #RealEstateInvesting #RentalProperty #TemporaryBuydown #BridgeLoan #FirstTimeHomeBuyer #HometownHeroes #DSCRLoan #CentralFloridaRealEstate #OrlandoRealEstate #FloridaHomes #WeBringYouHome

September 27, 202645 min

Mortgage Rates Jumped This Week — Here's Where the Deals Are Hiding

Mortgage rates jumped this week, and a lot of buyers are heading for the sidelines. Bruce Woodburn, The Loan Arranger, explains why that may be the best reason to get in the game. Bruce breaks down what's really pushing rates up, why the bond market (not the Fed) drives your mortgage rate, and how today's market is handing negotiating leverage back to buyers. He also shares two real client stories: a father using a gift of equity to help his kids buy the family home, and a homeowner who consolidated his debt, cut his monthly payments by $3,600, and put himself on track to be debt-free in under four years. In this episode: - What's pushing mortgage rates up right now: the bond market, the 10-year Treasury, inflation, and government debt concerns - Why the Fed rate affects your HELOC, car loan, and credit cards, but doesn't directly set your 30-year mortgage rate - Seller concessions hit their highest August share since 2020, per Redfin, and how to use them - How to spot a motivated seller (and why motivated isn't the same as desperate) - Why seller-paid closing costs or a rate buydown can beat a price reduction - Temporary and permanent rate buydowns explained - Gift of equity: how to help a family member buy a home with no money out of pocket - The wealth gap between renters and homeowners - Why credit repair shortcuts backfire - HELOC vs. cash-out refinance for debt consolidation - Building a debt-free retirement: no mortgage, no car payments, no credit card debt - Why buying when everyone else is waiting can put you ahead Realtors: Bruce is hosting a Zoom lunch-and-learn on October 20 covering upcoming appraisal changes. Register on the Events page at WeBringYouHome.com. Looking for a real estate agent? The Loan Arranger Real Estate Rebate Program connects you with top local agents and can put up to 25% of the agent's commission back in your pocket. Every client gets a personal consultation with Bruce. There are no application fees, and you start with a soft credit pull only. Bruce Woodburn – The Loan Arranger 📞407-250-9144 | 🌐WeBringYouHome.com NMLS# 228431 | CrossCountry Mortgage LLC | Winter Park, FL #TheLoanArranger #MortgageRates #HomeBuying #SellerConcessions #FirstTimeHomeBuyer #DebtFree #FloridaRealEstate #CrossCountryMortgage #WeBringYouHome

September 13, 202644 min

The Loan Arranger Show: Fed Meeting Week, Gifting Homes to Family & Hidden Loan Programs for High Net Worth Buyers

This week on The Loan Arranger Show, Bruce Woodburn breaks down what the September 15-16 Fed meeting could mean for mortgage rates and why sitting on the fence is costing buyers money. In this episode: - How to gift a down payment or structure a gift of equity to help family members buy a home - $35 million still available in Hometown Heroes down payment assistance for teachers, first responders, military, and law enforcement - Bruce's Real Estate Rebate Program — get up to 25% of your agent's commission back, up to $10,000 - Short-term rental tax strategy for high-income W2 earners (consult your CPA before acting on this) - Homeowners insurance rates trending down and what it means for affordability - DSCR loans for investors and bank statement loans for self-employed buyers who don't qualify on tax returns - Asset-based income loans for high net worth and retired buyers - Rapid-fire Q&A: trapped in a low rate, renting, self-employed, investors, and debt consolidation - Why Bruce vets every real estate agent in his referral network before he'll send you their way Have a mortgage question? Call Bruce at 813-213-4009 or 407-706-3313, or start your application at WeBringYouHome.com. Bruce Woodburn – The Loan Arranger 📞 407-250-9144 | 🌐 WeBringYouHome.com NMLS# 228431 | CrossCountry Mortgage LLC | Winter Park, FL #TheLoanArranger #BruceWoodburn #CrossCountryMortgage #MortgageRates #GiftOfEquity #DownPaymentAssistance #HometownHeroes #DSCRLoan #SelfEmployedMortgage #RealEstateRebate #FloridaRealEstate #VALoan #FirstTimeHomeBuyer #WeBringYouHome

September 6, 202644 min

The Fed's 66% Rate Hike Odds, Condo Rules Just Got Harder, and How to Buy With Zero Debt Ratio

This week on The Loan Arranger, Bruce Woodburn breaks down why mortgage rate odds flipped fast — from a 30% chance of a Fed hike to nearly 66% — and what that means if you're deciding whether to lock or float. In this episode: - Fed rate odds jump to 66% after Jackson Hole — what it actually means for mortgage rates - Bruce's Fast-Track Referral Program: full loan approval before you make an offer, backed by a $500/day late-closing guarantee - Florida's new condo financing rules (effective August 3rd) — full review requirements, reserve hikes to 15% coming January 4th, and why buyers should be cautious - Debt consolidation math: why a low mortgage rate doesn't mean you should ignore high-interest credit card debt - Divorce and separation mortgages — how Bruce structures fair transactions for both spouses - Direct lender vs. mortgage broker — why CrossCountry Mortgage funds and services differently - Asset qualifier and asset depletion loans for high-net-worth clients with limited taxable income - Physician loan programs — no money down, no PMI for doctors, nurse practitioners, PAs and vets - Gift funds and gift of equity — helping family members buy a home instead of leaving them cash later Bruce Woodburn is a direct lender with CrossCountry Mortgage, the largest retail lender in the nation, closing $6.6 billion in loans last month alone. Call Bruce now: 📞 407-250-9144 or apply at 🌐 WeBringYouHome.com Bruce Woodburn – The Loan Arranger NMLS# 228431 | CrossCountry Mortgage LLC | Winter Park, FL #TheLoanArranger #BruceWoodburn #CrossCountryMortgage #MortgageRates #FedRateHike #DirectLender #FloridaRealEstate #CondoFinancing #DebtConsolidation #FirstTimeHomeBuyer #PhysicianLoan #GiftFunds #TampaBayMortgage #OrlandoMortgage

August 30, 202644 min

Trapped by Your 3% Rate? Condo Rule Changes, High-Net-Worth Loans & Smarter Negotiating

Bruce Woodburn, The Loan Arranger, breaks down why mortgage rates are being driven by the bond market — not just the Fed — and why waiting for a rate cut could cost you. He explains how high-net-worth borrowers with significant assets but limited traditional income can convert those assets into qualifying income, walks through the major condo financing rule changes now requiring a full condo review (and rising reserve requirements), and shares real negotiating strategy: getting sellers to cover closing costs and rate buydowns instead of just chasing sales price. Bruce also tackles the "golden handcuffs" of a 3% mortgage — how to know when it's time to move even with today's rates — and makes the case for why renters should consider approaching their landlord about buying the home they're already living in. Topics covered: - Why the bond market, not the Fed, sets mortgage rates - How to convert investment assets into qualifying income for a mortgage - New Fannie Mae/Freddie Mac condo review requirements and rising reserve rules - Negotiating seller-paid closing costs and rate buydowns - The Real Estate Rebate Program and why your realtor's track record matters - When a low interest rate is keeping you in the wrong house - How to approach your landlord about buying the home you rent Bruce Woodburn – The Loan Arranger 📞 407-250-9144 | 🌐 WeBringYouHome.com NMLS# 228431 | CrossCountry Mortgage LLC | Winter Park, FL #TheLoanArranger #BruceWoodburn #CrossCountryMortgage #MortgageRates #RealEstateInvesting #Homeownership #CondoFinancing #WeBringYouHome

August 23, 202645 min

Gift a Down Payment, Save Taxes with Short-Term Rentals, and the Real Estate Rebate Program | The Loan Arranger

Bruce Woodburn, The Loan Arranger, breaks down how to help a family member buy a home without co-signing, why gifting equity beats leaving an inheritance, and how high-income W2 earners can use short-term rental real estate to legally reduce their tax bill. In this episode: - How to gift a down payment or a gift of equity to family on conventional, FHA, or VA loans — and why putting money into a home protects it better than a cash inheritance - Why short-term rental real estate (7 days or less) can create real deductions for high-income W2 wage earners who otherwise have limited write-off options — always structured with a qualified CPA - Bruce's Real Estate Rebate Program and shout-outs to trusted referral partners across Central Florida and Tampa Bay - Why working with a direct lender means no call centers, personal Zoom consultations, and an on-time closing guarantee Bruce Woodburn – The Loan Arranger 📞407-250-9144 | 🌐WeBringYouHome.com NMLS# 228431 | CrossCountry Mortgage, LLC #TheLoanArranger #BruceWoodburn #CrossCountryMortgage #WeBringYouHome #GiftOfEquity #GiftOfDownPayment #HomeBuyingTips #RealEstateRebateProgram #ShortTermRentalTaxStrategy #W2TaxStrategy #CostSegregation #AugustaRule #DebtConsolidation #RefinanceLoan #ZeroDownPayment #FHALoan #VALoan #ConventionalLoan #DirectMortgageLender #OrlandoRealEstate #TampaBayRealEstate #FloridaHomebuyers #MortgageTips #HomeownershipGoals