Advertise on podcast: "I Heard That" (Podcast) with Coach Clarence

Over 2 million borrowers just lost 100+ credit points, and most never saw it coming. If your score slid from a 700 to a 550 overnight, this episode is your playbook to reverse it. Inside, we unpack exactly how post-October 2024 reporting torpedoed scores—retroactive lates, skipped notices, duplicate tradelines, and how those same violations can be used to dispute and delete the damage. What you’ll learn: The reporting rules federal vs. private servicers keep breaking—and how to prove itThe step-by-step dispute stack: bureaus, servicer validation, CFPB complaintWhen consolidation resets the board (and when it doesn’t)How to escalate for fast corrections and permanent removalsWho it’s for: borrowers, first-time homebuyers, agents, and LOs advising clients—anyone who needs credit points back now. Make sure you share this episode with anyone who needs it Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

JR—Arizona’s go-to home insurance specialist—breaks down how your policy can speed or stall a mortgage, refi, or HELOC. He shows what lenders verify (coverage limits, deductibles, replacement cost vs. ACV, effective dates, the mortgagee clause) and the gaps that jam closings—missing binders, wrong clauses, roof exclusions, HOA “walls-in” misunderstandings. Then he walks through the simple fixes he used on my policy to tighten coverage and cut costs: aligning limits with the appraisal, cleaning up endorsements, and timing the policy with closing so escrow stays smooth. Insurance built around your financing—not the other way around. An advisor beats a policy pusher every time.  Join us for a conversation about one of Arizona's leading advisors, how his passion, love for God guides his business model. You can find out more about JR here: https://comparioninsurance.onemob.com/p/jrtheadvisor Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

Crypto Meets Real Estate?! You can now buy a home using your Bitcoin, without selling it. No, this isn’t hype.  Starting mid-2025, a new rule from the Federal Housing Agency allows Bitcoin stored on U.S.-regulated exchanges to be used as mortgage collateral. ✅ Keep your crypto  ✅ Avoid capital gains  ✅ Skip the credit check (in some cases) I break it all down in the latest episode of Coach’s Corner—from how the process works to who qualifies and why this could change the game for smart buyers and investors. Would you use your crypto to buy a home? Drop your thoughts in the comments ⬇️ Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

You’ve been lied to. No, you don’t need perfect credit. No, you don’t need 20% down. And no, you don’t need a six-figure salary to become a homeowner. In this straight-shooting episode, Coach Clarence busts the biggest myths that have been holding people back from buying a home. Whether you’re living paycheck to paycheck or just unsure where to start, this one’s for you. ✅ Learn the truth about what it takes to get qualified  ✅ Discover loan options you probably didn’t know existed  ✅ Walk away with 3 powerful, actionable steps that could have you holding the keys to your new home in just 30–45 days Renting is not the only option.  ✅ Ownership is possible—sooner than you think. Subscribe now for weekly no-fluff tips that make homeownership real and reachable. Download my first-time Homebuyer guide here: https://drive.google.com/file/d/1XSAShPVyS5WsVQk9Zr7Mz4PaR8Gw0mkU/view?usp=drive_link Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

Let’s be real… Most people are drowning in content but starving for impact. In this episode of Coach’s Corner, we get raw with David Griffiths—gospel artist, former youth pastor, and ex-middle school teacher turned digital disruptor. If you think passion is enough to win online, think again. David breaks down how most creators are doing it wrong and why authenticity without strategy is a waste of time in the age of AI and algorithm overload.  Discover: Why your “safe” content isn’t connectingThe brutal truth about attention in 2025How David turned low engagement into real influenceThe mindset shift creators must make to stay relevantIf you’re tired of watching mediocre content blow up while your meaningful posts get ignored, this episode is your wake-up call. Hit play and learn how to stop posting and start dominating. https://quickwinschallenge.com/ Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

She’s a powerhouse mom, a top-performing realtor, and a no-BS life coach — and she’s not holding back. In this episode of Coach’s Corner, Shelly Lawhorn gets real about what it’s like juggling real estate, single motherhood, and personal growth in a world full of distractions and double standards. We talk about:  * The truth behind modern dating & the “narcissist” buzzword  * Why real estate is still a smart move (even with today’s rates)  * Building a mindset business from personal mess to message  * Accountability, boundaries, and raising boys with backbone This one’s raw, real, and full of fire — especially if you're navigating business, motherhood, and dating with your head held high. Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

In this powerhouse episode of Coach’s Corner, we sit down with Brandon Cullen, CEO and co-founder of MADabolic. From pro hockey roots to building a national boutique fitness brand, Brandon shares how he went from the rink to the boardroom. We unpack: ●     Why movement trumps macros.     ●     How Metabolic attracts high-achievers and keeps it exclusive by design.   ●     The challenge of scaling without sacrificing culture.     ●     His refreshing take on leadership, fatherhood, and creating routines that last.     ●     Why the fitness industry is noisy—and what you need to focus on to stay consistent.     Whether you're a coach, entrepreneur, or simply someone who wants to move better and lead stronger, this one’s packed with value. Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

In this episode of  Coaches Corner, Coach Clarence dives into a powerful but often overlooked homebuying strategy—the mortgage buy-down. With rising interest rates sidelining buyers and scaring off first-timers, Clarence breaks down how a 2-1 buy-down can put real cash back in your pocket. You’ll learn:  ✅ What a mortgage buy-down is (in plain English)  ✅ How a 2-1 strategy works and who it’s best for  ✅ Why this could be the game-changing move you need in today’s market  ✅ How one buyer saves nearly $4,400 in one year on a $300K home This is the real estate cheat code nobody taught you in school. Hit play and arm yourself with tools to buy smarter, not harder. Here is the link to my First Time Homebuyer Guide https://drive.google.com/file/d/1XSAShPVyS5WsVQk9Zr7Mz4PaR8Gw0mkU/view?usp=sharing Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

In this episode, we dive into the flaws of the traditional education system and its approach to preparing students for financial success. The host highlights the disconnect between years of academic training and practical financial knowledge, questioning why essential topics like wealth building, credit use, and investment strategies are often overlooked. The discussion critiques the outdated narrative of going to college for a secure future, illustrating how many degrees no longer guarantee job security and how the burden of student loan debt has skyrocketed to over $1.7 trillion in the U.S. The episode emphasizes the urgent need for a shift in how financial literacy is taught, as many graduates find themselves struggling with debt and financial instability right out of school. Tune in to explore why the conventional path may lead to financial struggle and what alternatives could better equip the next generation for success. Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

In this compelling episode of Coach's Corner, Coach Clarence sits down with Carlo Taormina, a renowned transformational mindset coach and peak performance expert. Carlo opens up about his battle with depression and suicidal ideation, sharing how he transformed his life and now empowers others to achieve personal and professional success.​ Discover Carlo's step-by-step approach to enhancing performance across various life domains, including financial growth and relationship building. He emphasizes the importance of resilience, momentum, and taking decisive actions to unlock one's true potential.​ Adding a touch of humor, Carlo discusses the unpredictable weather in Virginia and his use of nasal strips, hinting at a possible deviated septum. This light-hearted moment underscores the human aspect of personal development journeys.​  Tune in to learn: The power of transformational coaching in overcoming life's challengesStrategies for building and maintaining resilienceHow to create and sustain momentum towards your goalsInsights into improving financial stability and relationship dynamics​Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

Hey Team, Let me start by wishing Regina a very Happy Birthday and in honor of her Birthday we are releasing her episode of Coaches Corner. Regina Huber, is a transformational leadership coach, inspirational speaker, and best-selling author. Regina shares her eclectic journey, having lived and traveled across five continents. She discusses her work at Transform Your Performance, where she helps clients enhance their leadership skills, manage stress, and cultivate thriving teams. Regina emphasizes the importance of creating a fulfilling life, which is also the theme of her latest book, "Living My Freaking Amazing Life," available on Amazon in English and Portuguese. Please tune in for an inspiring conversation encouraging listeners to elevate their leadership and well-being. https://transformyourperformance.com Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

The Truth About Weight Loss No One Tells You!  Think losing 110 pounds is just about diet and exercise? Think again. In this episode of Fit Over 40, Coach Clarence sits down with Coach Steph, a woman who completely transformed her body—and her life—by mastering her mindset first. 🔥 From feeling stuck to unstoppable—her wake-up call forced her to make a change. Now, she’s breaking down exactly how she did it and how YOU can too. We’re also revealing an upcoming program designed to help you take back control of your health, redefine yourself, and finally ditch the excuses. If you're tired of the same old weight loss advice and want REAL, no-BS strategies, this episode is for you. Listen now and get ready to transform! Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

In this episode of Coaches Corner, the host discusses the critical topic of brain fitness with guest Arnold Beekes. Arnold, originally from the Netherlands and now residing in Romania, emphasizes the importance of maintaining cognitive health, especially as we age. He points out that just as physical fitness is essential for our bodies, brain fitness should equally be a priority, starting as early as our 30s. The conversation delves into the gradual decline of body and brain functionality and the necessity of incorporating brain training into our daily routines. Listeners are encouraged to recognize the value of exercising not just their bodies, but also their minds to enhance overall well-being as they grow older. Find out more here https://braingym.fitness/affiliate-area/ Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

In this episode, we dive into self-employed individuals' challenges when applying for home loans. Despite generating substantial revenue, 99% of self-employed people often find themselves declined for mortgages due to the way lenders assess income. The host explains how tax benefits, such as writing off expenses and deducting business costs, can lead to a lower taxable income, which is what banks use to qualify applicants. This discrepancy can be frustrating for business owners who may appear less financially stable on paper than they truly are. Tune in to learn a simple hack to navigate this issue and ensure you qualify for the home loan you deserve, without sacrificing your hard-earned tax benefits. Don't forget to subscribe for more insights and tips tailored for self-employed professionals! Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus

🏡 How to Get Approved for a Mortgage – Step-by-Step Guide 💰 Feeling overwhelmed by the mortgage approval process? You’re not alone! In this episode of Coach's Corner, we break down how to get approved for a home loan with simple, actionable steps. ✅ What You’ll Learn: Credit Score Essentials – What lenders look for and how to improve yours.Debt-to-Income Ratio (DTI) – Why it matters and how to optimize it.Common Mistakes to Avoid – Don’t let simple errors cost you your dream home!Mortgage Approval Tips – Strategies to increase your chances of securing the best loan rates.Whether you're a first-time homebuyer or looking to refinance, this episode will give you the confidence to navigate the home loan process like a pro. 🎧 Tune in now and take the first step toward homeownership success! Don’t forget to subscribe, share, and drop your biggest mortgage question in the comments! Support the show Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback. YouTube: Coach Clarence TV Instagram: www.instagram.com/clarencemferguson Instagram: www.instagram.com/tharealcoachclarence Facebook:https://www.facebook.com/groups/fitover40withcoachclarence Linkedin:https://www.linkedin.com/in/clarencef/ Pinterest: https://www.pinterest.com/CoachClarence/ Twitter: https://twitter.com/fitnusbiznus