Facts, Humor, and Fitness: And Honest Dialogue" with Coach Clarence If you're over 40 and ready to level up your health, wealth, and mindset, you're in the right place.I'm Coach Clarence—Certified Mortgage Advisor, Personal Fitness Coach, and someone who's walked the walk. This podcast is for you—the high-performer, the career-pivoting parent, the go-getter who knows there’s more life (and success) after 40.Every week, I bring you real talk, real strategies, and real stories from industry insiders in fitness, finances, and mindset coaching. We’ll dig into everything from: Mortgage strategies and credit repair tips Staying fit over 40 and fighting inflammation Career pivots, personal growth, and building financial freedom Honest, no-fluff conversations to keep you motivatedWhether you're chasing better health, making smarter money moves, or just want to feel good and crush your goals, this show gives you the tools to thrive.No gimmicks. No fluff. Just straight-up facts, humor, and game-
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What is "I Heard That" (Podcast) with Coach Clarence?
"I Heard That" (Podcast) with Coach Clarence is a health podcast hosted by Coach Clarence, with 264 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.
About the host
Coach Clarence hosts "I Heard That" (Podcast) with Coach Clarence, a health show with 264 episodes published.
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Episode #277
Bank Statement Loans Explained: A Mortgage Guide for the Self-Employed
Aug 18, 202611 min
Are you self-employed, making good money, but struggling to qualify for a mortgage? You aren't alone. Business owners, entrepreneurs, freelancers, independent contractors, and 1099 earners can sometimes run into challenges when applying for a traditional mortgage because the way their qualifying income is calculated may not reflect the full picture of their business cash flow. But a traditional mortgage isn't necessarily the only option. In this episode, I break down alternative mortgage options for self-employed borrowers, including bank statement loans, 1099 programs, P&L programs, and other non-QM mortgage solutions. I'll explain what non-QM actually means, why these loans still require underwriting and documentation, and how working with a mortgage broker may provide access to additional lending options when a traditional bank's program isn't the right fit. I also share a recent real-world example of a borrower we helped qualify to purchase a home using a 12-month bank statement loan program. You'll learn why getting turned down by one lender doesn't necessarily mean you can't qualify for a mortgage—and why talking with a mortgage professional before you start shopping for homes can make such a big difference. If you're self-employed and looking to buy a home or refinance, this episode will help you better understand the mortgage options that may be available. Ready to explore your options? Schedule a call with me using the link in the show notes. https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
When the Bank Says No: Alternative Funding for Business Owners & Real Estate Investors
Aug 11, 202613 min
Your bank said no. Does that mean your business idea or real estate opportunity is dead? Not necessarily. In this episode of I Heard That Podcast, Coach Clarence explains why traditional bank financing is only one part of the capital marketplace and explores alternative financing options available to business owners, entrepreneurs, and real estate investors. We break down some of the reasons traditional banks decline financing requests, including credit, collateral, cash flow, time in business, documentation, and the type of transaction. You'll also learn why less-than-perfect credit doesn't necessarily mean you have zero options. Coach Clarence discusses commercial real estate financing, fix-and-flip and real estate investment financing, revenue-based business funding, and why choosing the right financing is about much more than simply getting approved. You'll also hear the real-world story of an entrepreneur relocating from Tennessee to Arizona who needed financing not only to acquire a building, but also to prepare the property, maintain reserves, and market her new business. The lesson? Funding should support the business plan. The business plan shouldn't exist simply to justify getting funded. Before borrowing, know your numbers, understand the costs and repayment structure, and determine whether the capital you're considering actually makes financial sense. If you've been turned down by a bank—or you're a business owner or real estate investor trying to understand your financing options—this episode is for you. Listen in, know your numbers, and find out what options may be available. Here are the links to find out your options or Reach out directly: @admin@coachclarence.com Bankbreezy.com/funding/coachclarence Davidallencapital.com/business-capital/coachclarence Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
The Truth About HIV: Marie Niles on Breaking the Stigma Through Education
Aug 4, 202654 min
Many people think they understand HIV—but much of what they believe is outdated or simply incorrect. In this episode of I Heard That Podcast, Coach Clarence sits down with Marie Niles, founder of Beehive, retired healthcare professional, Gold Star Mother, and HIV advocate. Marie shares her deeply personal journey of living with HIV while working to educate communities, reduce stigma, and promote prevention through facts rather than fear. Whether you know someone affected by HIV or simply want to better understand one of the most misunderstood health topics today, this is a conversation worth hearing. If this episode impacted you, please subscribe, leave a review, and share it with someone who can benefit from the conversation. You can support Bee Hiv Here or Reach out for more information: https://beehivfoundation.org/ Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Fix Your Credit Fast? Separating Credit Repair Myths from Reality
Jul 28, 20269 min
Everyone wants a higher credit score, especially when they're preparing to buy a home. Unfortunately, social media has created unrealistic expectations about what can actually be accomplished in a short period of time. In this episode, I explain the difference between credit repair and a rapid rescore, discuss the financial habits that often lead to poor credit, and share a real client story about setting realistic expectations on the path to homeownership. If you've been wondering whether your credit can be improved—or you're planning to buy a home soon—this episode will help you understand what really works. Schedule Time With Our Team: https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 https://www.growthpathfinancial.com Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Divorce, Mortgages & Your Financial Future Episode Description Divorce is one of life's most emotional transitions, and it's also one of the most financially complex. In this episode, we discuss one of the biggest questions homeowners ask during a divorce: Can I buy a house or refinance while my divorce is still in progress? The answer isn't always simple. As a mortgage professional, I've helped clients navigate divorce-related home financing, and I've also seen emotional decisions create unnecessary financial setbacks. In this episode, I'll explain what lenders are really looking for, why your marital separation agreement matters, how child support and alimony affect mortgage qualification, and why rushing into a home purchase can sometimes do more harm than good. I also share a real client story about helping someone refinance their home during a divorce using a special circumstances refinance to remove a spouse from the mortgage. Whether you're currently going through a divorce, thinking about buying your next home, or simply want to better understand your mortgage options, this episode is packed with practical guidance that can help you make informed financial decisions. What You'll Learn • Can you qualify for a mortgage during a divorce? • What lenders need before approving your loan • Why debt-to-income ratio changes during divorce • How child support and alimony impact mortgage approval • Common financial mistakes divorcing couples make • Why emotions often create expensive mortgage problems • When refinancing may be the right solution • How to protect your financial future while navigating divorceIf you're going through a divorce and have questions about buying a home or refinancing your mortgage, I'd be happy to help you understand your options. Phone: 602-299-9357 Email: admin@coachclarence.com Website: www.clarenceferguson.com You can also connect with me on YouTube, LinkedIn, Facebook, Instagram, and Substack for weekly mortgage education, homebuying tips, and market updates. If you found this episode helpful, please follow the podcast, leave a review, and share it with someone who could benefit from this information. Every review helps more homeowners discover practical mortgage advice they can trust. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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