Xpert Home Lending

03/31/2026

Some people identify as the rock attempting to crush what it thinks is weak. Others identify as the weak tree becoming stronger overcoming any and all obstacles. I think I am the tree.

12/15/2025

The new book trailer is out for Mortgage Club 12 Rules They Don't Want You To Know. Have some fun with it.
Read The Book Click Here: https://a.co/d/daUunMs
Or copy and paste into your browser, available on Amazon in three formats, paperback, Kindle and Audio Versions.

Read This Before You Get PlayedThis isn’t a sales pitch.It’s a warning.We’ve watched too many smart people get blindsided by a system built to confuse them.W...

11/21/2025

It's finally out, the audio version of Mortgage Club, 12 Rules They Don't Want You To Know., Narrated by myself Rich Hanlin. Even if you bought the book and only listened to Chapter 12 it will change not only borrowers lives but I believe every Loan Officer that is looking to set themselves apart in this industry where so many are clones. Being able to hear it straight as if we were sitting and having a cup of coffee really came across better than I hoped. People have asked me how I changed my life, how I was able to turn around from the 2008 Real Estate crash, Bankrupt, out of business, taking a job at $27,000 a year with USAA and down to $70,000 Net worth , and go on to have not one, but two top ten National Mortgage Brokerages. This book sums it up, and hearing it in my voice and how I educate people on one of the hardest but yet most life changing topics will allow you to understand how I got there. Not just borrower 101 but Loan Officer 101. Confidence, Clarity and the ability to Educate others is life changing. Enjoy

06/27/2025

Rich Hanlin Interviews Britainy Wilkerson Best Of The best

Rich Hanlin interviews Britainy Wilkerson of Xpert Home Lending. Britainy does it all... She originates, real estate, flipping, and runs a nationwide processing team that assists loan officers that are not licensed in specific states. Endless energy and still keeps going. Sit back and take a listen to one of the best Loan Officers in the industry. Britainy Wilkerson.

Britainy Wilkerson
NMLS 1137924
916-288-7664
[email protected]

Rich Hanlin interviews Britainy Wilkerson of Xpert Home Lending. Britainy does it all... She originates, real estate, flipping, and runs a nationwide proces...

06/18/2025

The Number One Loan That Can Change A Loan Officers Life

There is a loan that has changed my ability to get business no matter what the interest rates are and no matter what the market looks like. Values up, Values Down, Interest Rates Up, interest rates Down... I have learned that it does not matter. There are always value plays to be had. And there is a loan that every loan officer can use to keep their pipeline full of loans and their CRM full of leads. The DSCR Loan. 35 Years experience and working with some incredible investors has changed the way I look at real estate.

I have written an E-Book called The DSCR Advantage" and I would like every loan officer to consider learning how to use the DSCR Loan to not only build their clients portfolios but to build their own portfolios and their Real Estate Agents Portfolios.

We have the tools so why is it that 99% of Loan Officers and RE Agents have no portfolio to help weather the storms and the ups and downs. Well those days have passed and this time around it's our turn.

Copy this link and download the Free E-Book as well I will follow up with 50 DSCR specific Pros and Cons and how to use The DSCR Advantage to change your life.

https://www.youtube.com/watch?v=eRVkpqBgJgI

The future you is ready for a change.

There is a loan that has changed my ability to get business no matter what the interest rates are and no matter what the market looks like. Values up, Value...

06/17/2025

🔎 Think You Need to Be Rich to Own Rentals? Think Again. 🔎

📘 Get This FREE Book: “The DSCR Advantage”

What if we told you there’s a loan that lets you qualify to buy investment properties based on the property's income — not your W-2, tax returns, or job history?

It’s real. It’s called a DSCR Loan, and it’s one of the best-kept secrets in real estate investing.

📖 Inside this FREE guide, you’ll learn:
✔️ How to qualify (even with side income or no job verification)
✔️ Why this loan is perfect for full-time workers, gig earners, or retirees
✔️ How smart investors scale portfolios using rent—not income
✔️ Tax strategies & investor tips you won’t hear from most banks
✔️ Step-by-step plan to buy your first (or next) rental property

📥 Get your FREE copy today — no strings attached.
Start building wealth with tools the pros use.

🖱️ Click “Learn More” below and download instantly!

📍 Powered by Rich Hanlin & Xpert Home Lending
🏆 Top 10 National Mortgage Broker | Trusted in 44 States

👇👇👇

DSCR (Debt Service Coverage Ratio) loans are the go-to solution for real estate investors who want to qualify based on rental income — not personal income, W2s, or tax returns. Designed specifically for investment properties, DSCR financing allows you to scale your portfolio faster with no employm...

06/17/2025

🟢 REAL ESTATE INVESTORS: Discover How to Buy Properties Without Showing Income 🟢
📘 FREE BOOK: "The DSCR Advantage"
Ever heard of a loan that qualifies you based on the property's rent, not your job, income, or tax returns?
It's called a DSCR Loan, and it's helping investors like YOU buy rental properties faster and easier than ever.
🔥 In this FREE guide, you’ll learn:
✔️ How DSCR loans work (in simple terms)
✔️ Who qualifies — it’s easier than you think
✔️ Why it’s perfect for self-employed or part-time income earners
✔️ How to grow your portfolio without red tape
✔️ Real examples, tax tips & an easy 5-step plan
💼 Whether you're a first-time investor or scaling up, this book will show you how to use a smarter strategy to build wealth through rental income.
🖱️ Click “Learn More” to download your FREE copy now!
No gimmicks. Just real, proven info from a Top 10 National Mortgage Broker.
📍 Available Nationwide | Brought to you by Rich Hanlin, Xpert Home Lending
👇👇👇

DSCR (Debt Service Coverage Ratio) loans are the go-to solution for real estate investors who want to qualify based on rental income — not personal income, W2s, or tax returns. Designed specifically for investment properties, DSCR financing allows you to scale your portfolio faster with no employm...

05/29/2025

𝗙𝗛𝗔 𝗹𝗼𝗮𝗻𝘀 𝗼𝗳𝗳𝗲𝗿 𝗮 𝗿𝗮𝗻𝗴𝗲 𝗼𝗳 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝘁𝗵𝗮𝘁 𝗺𝗮𝗸𝗲 𝗵𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀𝗵𝗶𝗽 𝗺𝗼𝗿𝗲 𝗮𝗰𝗰𝗲𝘀𝘀𝗶𝗯𝗹𝗲, 𝗲𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝗹𝘆 𝗳𝗼𝗿 𝗳𝗶𝗿𝘀𝘁-𝘁𝗶𝗺𝗲 𝗯𝘂𝘆𝗲𝗿𝘀 𝗮𝗻𝗱 𝘁𝗵𝗼𝘀𝗲 𝘄𝗶𝘁𝗵 𝗹𝗲𝘀𝘀-𝘁𝗵𝗮𝗻-𝗽𝗲𝗿𝗳𝗲𝗰𝘁 𝗰𝗿𝗲𝗱𝗶𝘁.

𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝟭𝟱 𝗸𝗲𝘆 𝗮𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲𝘀 𝗼𝗳 𝗙𝗛𝗔 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴:

1. Low Down Payment Requirements: FHA loans require as little as 3.5% down, making it easier for buyers to purchase a home without substantial savings.
2. Flexible Credit Score Standards: Borrowers with credit scores as low as 580 can qualify for the 3.5% down payment option. Those with scores between 500 and 579 may still qualify with a 10% down payment. (NerdWallet)
3. Higher Debt-to-Income Ratios Allowed: FHA loans permit higher debt-to-income ratios compared to many conventional loans, providing more flexibility for borrowers with existing debts. (DSLD Mortgage)
4. Use of Gift Funds: FHA guidelines allow borrowers to use gift funds from family members or close friends for down payments and closing costs, easing the financial burden. (RCG Mortgage)
5. Assumable Mortgages: FHA loans are assumable, meaning a qualified buyer can take over the seller's existing FHA loan, potentially securing a lower interest rate. (loanDepot)
6. Streamlined Refinancing Options: The FHA Streamline Refinance program offers a simplified refinancing process with reduced paperwork and no appraisal requirement, making it easier to lower monthly payments. (Wikipedia)
7. Competitive Interest Rates: Due to government backing, FHA loans often come with interest rates that are competitive with or lower than those of conventional loans. (Quaint Oak Mortgage)
8. Lower Closing Costs: FHA loans can have lower closing costs, and sellers are permitted to contribute up to 6% of the home's purchase price toward these costs, reducing the amount buyers need to pay out-of-pocket.
9. Availability of Down Payment Assistance Programs: Many state and local programs offer down payment assistance that can be used in conjunction with FHA loans, further reducing the upfront costs for buyers.
10. Flexible Qualification Criteria: FHA loans are designed to

05/22/2025

Rich Hanlin Interviews Norma Souza "The Souza Team", 2024 Best Of The Best

Rich Hanlin interviews Norma Souza, of The Souza Team, Powered By Xpert Home Lending, The 6th Largest Mortgage Broker in the US.

Norma, in her first year as a Mortgage Broker, funded her way to 9th out of 627 loan originators for Xpert Home Lending, the 6th Largest Mortgage Broker in the US. Norma talks about how she made the jump from Direct Lending and never looked back.

Growing up in Northern California as a first-generation Latina, Norma Souza understands the value of hard work and of family. Her goal to build relationships based on respect and honesty has empowered her clients to leverage a variety of programs whether they are purchasing their dream home or their first home ever.

When Norma isn’t busy helping her clients, she enjoys spending time with her family and exploring all the beauty California offers. Norma knows the importance of home ownership and would love to help you and your family accomplish your goals! Give her a call today

Contact Info:
Norma Souza
The Souza Team
NMLS: 1571516
(530) 635-0899
[email protected]

Rich Hanlin interviews Norma Souza, of The Souza Team, Powered By Xpert Home Lending, The 6th Largest Mortgage Broker in the US. Norma, in her first year a...

05/15/2025

I Want? Why? Action?

Motivation Thursday with I Want. Why, Action. Enough with the I wish and or I can't. Instead lets talk How. Everyone wants something. We all talk about it, but few do anything about it. Well here's your chance. Get a piece of paper and start writing:

I want, write down as many I Wants as you can come up with, For every I Want you need to also write down Your Why, Why do you want that specific thing? How will it better and or change your life. Lastly, Action, write down your action move.

Example....
I Want: I want more subscribers for my YouTube Mortgage Ballers account so that I can help our industry be better and achieve more.

Why: I believe that after 35 years and two Top Ten National Mortgage Broker spanning 2018, 2019, 2020, 2021, 2022, 2023, 2024 and now 2025. And speaking with and interviewing hundreds of people, loan Officers, Real estate Agents, Insurance Agents, Investment Advisers, Account Executives and the list goes on, that they all have common Traits. But yet some over achieve and some fight for the scraps.

Action: I will work daily to bring value to our industry to help them achieve their "I Wants". I will build Lead Funnels and Coaching Software to help Loan Officers and Real Estate agents capture more business. I will not be lazy, I will bring my best, everyday to this industry.

Motivation Thursday with I Want. Why, Action. Enough with the I wish and or I can't. Instead lets talk How. Everyone wants something. We all talk about i...

05/15/2025

Rich Hanlin Interviews Justin Leach of JL Lending Team

Rich Hanlin sits down with Justin Leach of JL Lending Team Powered By Xpert Home Lending the 6th Largest mortgage broker in the US. Justin lives in Santa Barbara California, one the most competitive lending markets in the US. Justin is a native of Santa Barbara and has positioned himself with incredible year over year service to become a goto in the area. Justin is very versed in social media and has built an robust platform. Check Justin out at:

Instagram: https://www.instagram.com/justinlleach/
Facebook: https://www.facebook.com/JustinLeachLending/
TikTok: https://www.tiktok.com/?is_from_webapp=1&sender_device=pc
YouTube: https://www.youtube.com/

Justin Leach
NMLS 685345
805-315-6849
[email protected]

https://youtu.be/Ab0jlXgEQPc

Rich Hanlin sits down with Justin Leach of JL Lending Team Powered By Xpert Home Lending the 6th Largest mortgage broker in the US. Justin lives in Santa Ba...