Find partners
Your Real Estate Life

Your Real Estate Life

Hosted by Michael A. Harris

BusinessExplicit

Episodes

500

Latest episode

Nov 2026

Language

EN

About the show

Many individuals choose to rent properties, whether it be for their personal residences or business premises. While this may initially appear cost-effective, it can have detrimental long-term financial implications. Essentially, you are indirectly paying a mortgage. It is time to break free from this cycle and invest in your own residential or commercial property. This show is designed to guide and empower you in strategizing and actualizing Your Real Estate Life. Discover a wealth of knowledge on real estate – whether you're just beginning, advancing, or expanding your portfolio. This radio program dives deep into the toughest questions, covering lending programs, interest rates, financial literacy, economic trends, and more. Equip yourself with the insights to become an informed decision-maker when it comes to your most valuable assets. Join us on the forefront of property ownership and unlock your potential. Maximize your financial decisions by adopting the right approach when entering a 30-year loan and purchasing property. Learn how to convert debt into wealth efficiently, without compromising your lifestyle, resorting to refinancing, or jeopardizing your well-being. Uncover smart strategies to reduce unnecessary payments to lenders and responsibly eliminate debt. You deserve the best in life; don't compromise your safety for real estate victories. This radio program serves as your guide to identifying red flags that plague the market. Carelessness could lead to unmanageable loans or crippling interest rates. Equip yourself with the knowledge, tools, and resources to navigate the unpredictable waters of property acquisition. By being well-educated about the industry, you can protect yourself from exploitation. This show ensures that you have everything you need to thrive. Meet Michael A. Harris, your radio host with more than 38 years of lending experience. He is the President and CEO at the United Mortgage Corporation of America, a direct lending mortgage banking company operating and originating loans in California, Colorado, Montana, Texas, and Washington. Michael is passionate about helping others achieve financial comfort within their own homes. He tirelessly serves clients by eliminating years of mortgage interest. As a Senior Director and Certified Field Trainer at United Financial Freedom, Michael has found a calling guiding families towards a debt-free life. In this radio program, Michael imparts invaluable advice, financial insights, and practical resources for effectively managing your loans and transforming debt into wealth. While he may not have authored the lending programs you're currently enrolled in, his objective is to enlighten you on proper repayment strategies. And though he is not a certified public accountant, attorney, estate planner, or realtor, he can connect you with top-notch professionals through his extensive business network, ensuring you receive the best possible assistance. The economy is a dynamic and ever-evolving landscape. Oftentimes, you'll encounter numerous external factors beyond your control or be faced with challenging questions that put your knowledge to the test. However, amidst these challenges, there are still opportunities to secure your real estate future. Start saving time and money today on your purchase or refinance with the perfect interest rate and plan for you and your family. Discover how to navigate the confusing loan selection and acquisition process to meet your unique needs. Break free from the grip of your landlord and start building equity through home ownership of your own. When it comes to finding your dream neighborhood and elevating your financial status, it is crucial to have all the support you can get. Find it all in this enlightening radio program right now. Investment loans in the following additional states except: ND, NV, SD, and VT.

Listen to episodes

60 recent
November 8, 202659 min

The Fourth Quarter Money Playbook: Safety. Access. Growth. Your Game Plan for Year-End

Join Michael Harris on Your Real Estate Life for “The Fourth Quarter Money Playbook: Safety. Access. Growth. Your Game Plan for Year-End” on Saturday, November 7, 2026, from 9:00 to 9:58 AM Pacific on Fox Sports Ventura 1590 AM and 97.9 FM KVTA. Michael explores practical strategies for managing money before year-end, including the Money Max pillars of Safety, Access, and Growth; the upcoming economic calendar and its potential impact on inflation, savings, and mortgage rates; Thanksgiving budgeting; managing high-interest debt; and preparing for financial goals in 2027. Learn how to evaluate your cash reserves, make informed mortgage and home equity decisions, and develop a financial game plan that supports your goals. Great teams don't wing it, and neither should your money! Listen live or visit KVTA.com.

October 30, 202659 min

No Tricks, Just Treats The Real Estate & Mortgage Edition.

Join Michael Harris on Your Real Estate Life for “No Tricks, Just Treats! The Real Estate & Mortgage Halloween Special” on Saturday, October 31, 2026. This special Halloween edition explores common mortgage myths, the economic indicators that may influence mortgage rates, home equity strategies, and practical ways to manage debt and improve cash flow. Special guest Marisha Charbonnet of Security Family Law Group joins the conversation to discuss estate planning, family transitions, and protecting the people and property that matter most. Michael also explains the Money Max Account’s approach to cash-flow management and debt payoff, emphasizing informed decisions, financial flexibility, and evaluating costs and risks before taking action. Tune in for practical insights to help you make more confident decisions about your home, mortgage, and financial future. Real Estate Insights. Real Conversation. Real Results.

October 19, 202659 min

The Mortgage Strategy: Is Your Home Loan Still Working for You

On this week's Your Real Estate Life with Michael Harris, we explore whether your current mortgage is still working for you and how your home loan fits into your overall financial strategy. We'll discuss fixed versus adjustable rates, refinancing, PMI removal, home equity options, debt consolidation, and the balance between paying down principal and preserving liquidity. We'll also review the economic calendar for the week of October 26, including key inflation, housing, employment, and Federal Reserve developments that may influence mortgage markets. Finally, we'll examine how the Money Max Account concept may fit into a broader cash-flow management strategy, emphasizing informed decisions, responsible planning, and solutions aligned with your individual goals. Because the best mortgage strategy isn't always about securing the lowest rate; it's about making your mortgage work for your life.

October 18, 202659 min

Your Home Equity: What Should You Do With It?

On this week’s edition of Your Real Estate Life with Michael Harris, the focus is “Your Home Equity: What Should You Do With It?” Michael explains how homeowners can evaluate their home equity as part of their overall financial strategy, including when to preserve it and when accessing it may make sense. The program explores the differences between HELOCs, home equity loans, and cash-out refinances, along with using equity for home improvements, debt restructuring, investment opportunities, and retirement planning through reverse mortgage options for eligible homeowners. Michael also reviews the economic calendar for the week of October 19, 2026, and shares a practical checklist to help homeowners compare borrowing costs, monthly payments, liquidity, risks, and alternatives before deciding. The central message: Having equity doesn’t mean you should borrow against it, the right strategy starts with understanding your goals, your options, and your long-term financial well-being.

October 4, 202659 min

I Have a Mortgage… Now What Do I Do With It?

This week on Your Real Estate Life with Michael Harris, we take a practical look at what homeowners can do after they already have a mortgage. Your mortgage is more than a monthly payment , it is part of your overall financial picture, including your equity, cash flow, debt, interest costs, liquidity, retirement goals and long-term financial strategy. We’ll explore whether it makes sense to keep your current mortgage, pay down principal, consider refinancing, use home equity or a HELOC, invest in additional real estate, or evaluate mortgage strategies as part of retirement planning. We’ll also look ahead at the economic calendar for the week of October 12th, including housing data, inflation, CPI, PPI, retail sales, employment and industrial production, and discuss how economic developments can influence financial markets and mortgage rates. The goal is simple: don’t make financial decisions based on headlines alone, understand what you have, know your numbers, evaluate your options, and determine your next move.

October 4, 202659 min

I Have a Mortgage… Now What?”

This episode helps homeowners look beyond simply making the monthly payment and start thinking strategically about their mortgage, home equity, cash flow, debt, and long-term financial goals. Michael Harris explains how to understand the mortgage you already have, build a practical household budget, evaluate opportunities such as refinancing or using home equity, and recognize when doing nothing may actually be the right decision. The program also explores the week’s economic calendar and how economic data can influence the broader mortgage market, while the Money Max Account segment focuses on making money work smarter by examining income, expenses, interest, principal, debt, liquidity, and timing. The central message is simple: your mortgage is not just a bill, it is one part of your overall financial picture, and understanding how it fits into that picture can help you make more informed decisions.

September 26, 202658 min

Your Next Move: Plan. Position. Prosper

This Saturday on Your Real Estate Life with Michael Harris, we continue the “Your Next Move” series with Plan. Position. Prosper. Once you’ve evaluated your financial situation, made a decision, and taken action, what comes next? We’ll look at how to build a financial plan, position your mortgage, equity, debt and liquidity to support your goals, and make smarter real estate and financing decisions for the future. We’ll also break down the key economic reports coming up during the week of September 28 and discuss what they can—and cannot—tell us about the mortgage market. Join me Saturday, September 26 at 9:00 AM PDT on Fox Sports Ventura 1590 AM & 97.9 FM KVTA, and follow Your Real Estate Life with Michael Harris on YouTube for more real estate, mortgage and financial education. You don’t have to have everything figured out—you just need to know your next move.

September 19, 202659 min

Your Next Move: Evaluate. Decide. Take Action

Your Next Move: Evaluate. Decide. Take Action. on Your Real Estate Life with Michael Harris presents a simple, practical framework for making smarter real estate and financial decisions: assess your current position, clarify what matters most, and take one informed next step. Michael Harris explains why mortgage approval does not necessarily mean a home is affordable, why a home should be viewed as both an asset and a financial obligation, and why mortgage rates should not be the only factor guiding a decision. The episode also reviews key forces that can affect the mortgage market, including employment, inflation, housing activity, consumer sentiment, and Federal Reserve policy, while emphasizing that no one can predict future rates with certainty. In segment 3, Marisha Charbonnet from Family Security Law Group joins the program to discuss Right of Occupancy. Listeners learn the Personal Financial GPS concept—knowing where you are, where you want to go, and the best route to get there—along with the Money Max approach to evaluating cash flow, debt, interest, and financial efficiency. The program closes with a 30-minute exercise to help listeners identify their financial position, define their top goal, and choose their next smart move.

September 12, 202659 min

09-12-26 Smarter Home Financing an Education on Mortgages for Peace of Mind

In this episode of Your Real Estate Life, Michael Harris presents Smarter Home Financing: An Education on Mortgages for Peace of Mind, an educational discussion designed to help homeowners, future homeowners, investors, and borrowers make more informed mortgage decisions. Michael explains why choosing a mortgage should go beyond simply chasing the lowest interest rate, including affordability, cash reserves, loan structure, total cost, and long-term financial goals. The program also explores the economic calendar for the week of September 14–18, the upcoming Federal Reserve meeting, housing and employment data, the Money Max Account concept, cash-flow strategies, HELOCs, reverse mortgages, investment financing, DSCR options, and financing considerations for self-employed borrowers. The program closes with five key questions every consumer should ask before making a mortgage decision: What can I comfortably afford? How much cash should I retain after closing? What financing options are available? What is the total cost? And does this mortgage support my long-term financial goals?

September 6, 202659 min

09-05-26 - Your Financial GPS: Making Your Money Work Smarter

Your Financial GPS: Making Your Money Work Smarter helps listeners understand that financial success is not simply about earning more money—it’s about having a clear destination and a strategy for getting there. Michael Harris explores how to evaluate income, expenses, debt, cash flow, mortgage decisions, and financing options so your money can work more efficiently toward your goals. The program also examines economic factors that can influence mortgage rates and the housing market, along with strategies involving the Money Max Account, HELOCs, reverse mortgages, and investment financing. The goal is simple: know where you are, know where you’re going, and make smarter financial decisions along the way.

Is this your show?

Claim this listing to keep it up to date, reach guests who want to pitch you, and manage bookings with Guestify.

Claim this listing

More Business podcasts