Listen Up Home Buyers · Episode · August 20, 2026 · 16 min
Learning the loan process with mortgage broker Paul Nowachek
Victoria Ray Henderson and Paul Nowachek of Mission Mortgage walk through what changes between a loan estimate and a closing disclosure, how interest rates are really set, and how to shop a rate without losing the house.
Chapters
Introduction to the podcast and guest
Loan estimate details and what can change
Down payment requirements and mortgage insurance
Factors influencing mortgage interest rates
The importance of the closing disclosure
First-time homebuyer programs and research responsibilities
Shopping for mortgage rates and the importance of timing
The impact of market shifts on interest rates
Proactive communication and building your team
Closing remarks
Show notes
In this episode, host Victoria Ray Henderson talks with mortgage broker Paul Nowachek, who explains the ins and outs of mortgage applications, interest rates, and how buyers can move through the home-buying process with more confidence.
The difference between a mortgage broker and a lender
How interest rates are determined and projected
Reading a loan estimate and a closing disclosure
Down payment requirements and mortgage insurance
Why your credit score matters, and how to check it
Timing and research for first-time home buyer programs
Shopping for rates, and why timing matters
Keeping your lender and your agent talking to each other
Transcript
A full searchable transcript appears here on the production site, generated when the episode is uploaded and reviewed by the host before publishing.
