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Audio Library

This audio library exists for one reason: clarity.

These are short, plain language explanations of questions people usually only get partial answers to or feel rushed through on the phone.

You don't need to listen in order.

You don't need to finish everything.

You don't need to decide anything today.

Start anywhere. Pause when you need to. Come back later.

Each button below links to a short audio explainer. Most are under a minute.

They're meant to:

slow the conversation down

explain why things work the way they do

help you understand trade offs before choices

Not to sell. Not to pressure. Not to overwhelm.

Browse the audio library (Quick Links to YT Shorts)

...Or listen here

What this is / what this isn't

What this is:

  • Educational explanations

  • Conceptual clarity

  • Real-world context

  • A place to think, not rush

What this isn't:

  • Personalized financial advice

  • Loan recommendations

  • A substitute for licensed professionals

  • A requirement to take action.

Educational Notice

All audio content on this page is provided for educational and informational purposes only. 

Listening to these recordings does not create a client, advisory, fiduciary or lender-borrower relationship.

If you need personalized guidance, consider consulting a licensed professional who understands your full situation.

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What is... (quick definitions)

most-common-mortgage-terms (1)
what-is-LTV-or-loan-to-value-card-simple
what-is-DTI-or-debt-to-income-card-simple
what-is-an-appraisal-card-simple
what-is-credit-score-simple-card
what-is-amortization-simple-card
what-is-a-heloc-home-equity-line-of-credit-simple-card
what-is-a-hel-simple
what-is-a-cash-out-refinance-simple-card
what-is-apr-annual-percentage-rate-simple-card

Valuable Lending™

Clarity-first mortgage education designed to help you think clearly, move confidently and make decisions that fit your life.

Educational resources created from real world experience.

Heads up: This area is being updated. Thanks for understanding and excusing the noise.

Educational use only.

Content on this site is general in nature and not individualized financial, mortgage, tax or legal advice.

Valuable Lendingis an independent educational brand and not a mortgage lender.

​​

Mortgage services, when offered are brokered under

Discount Mortgage, NMLS 274209.

Sabrina Montalvo, NMLS 575897

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