🎥 Mortgages

🏠 Think owning a $1 million home is impossible on a middle-class income? Think again. In this episode, Moshe Alpert, CFP® sits down with mortgage expert Gabe “Mortgage Gabe” Tenenberg to reveal the real strategies helping families buy homes in today’s high-cost housing market, even with average incomes or self-employed status.

Whether you’re a first-time buyer, self-employed, or just wondering how others are affording it, this is the no-fluff, real-world guide you’ve been looking for with mortgage tips for self-employed & first-time buyers.

📌 What You’ll Learn in This Episode:

How high earners get denied mortgages — and how to fix it

Credit, Income, Assets: The “CIA” formula behind mortgage approval

The truth about PMI — and how it could help you buy sooner

Mortgage prep: Why it’s like test-driving a Lexus

$1M homes & the mansion tax explained

Business bank statement loans: The self-employed solution

Why you don’t always need 20% down

Closing process demystified

What “pre-affording” means — and why it matters

🧠 Key Takeaway:

“Push the envelope with a cushion and a plan. Most families who stretched — responsibly — never looked back.”

👤 Guest: Gabe Tenenberg

Mortgage Advisor, FM Home Loans

📧 Gtennenberg@fmm.com

📲 https://www.linkedin.com/in/gabe-tennenberg-94b170144

https://wa.link/c7dc3p

💼 Host: Moshe Alpert, CFP®

Founder & CEO of Ceremian Financial

Helping families simplify complex financial decisions through clear, actionable planning.

💬 Drop your questions in the comments — we might answer them in a future episode

📧 Send your questions to: ⁠middleclassalpert@gmail.com

📣 Subscribe for more episodes on real-world finance, mortgages, family budgeting, and long-term planning.

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🎛️ Produced by BIG Productions – Gidon Orman

Contact: gi@bigprod.net

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