The Mortgage Episode™

Jul 24, 2025

UNapologetically UNscripted is a podcast from Community Choice President & CEO Josh Cook where he interviews experts in the financial world. On this episode, Josh is joined by fellow UNbanker Jeff Johannsen, VP of Mortgage Sales. Jeff breaks down tough mortgage topics while Josh nods and says “YEP” a whole bunch. Here are the highlights:

Are you ready to refi?

Whether you want to reduce your rate, lower that monthly payment or get closer to a mortgage-free future, you can get started right here.

Protect your preapproval status

Nice, you’re preapproved. Keep that status safe ‘n sound by avoiding these common mistakes.

Prequalified vs. preapproved

Do you know the difference between being prequalified and being preapproved for a mortgage? Did you know you can do either here?

What the heck is a rate lock?

Many first-time homebuyers don’t know about rate locks. Here’s how you can secure a solid rate no matter what the market looks like.

Breaking down buydowns

Never heard about buydowns? You’re not the only one! Jeff breaks down this sweet hidden gem in the mortgage business.

Is it worth getting preapproved?

Josh and Jeff talk through the benefits of getting preapproved before you begin your home journey. What they don’t mention is that you can get preapproved quickly right here.

Down payment 101

Find out which common down payment advice is, as Jeff puts it, an “urban legend that refuses to die.”

Private mortgage insurance

While a 20% down payment technically isn’t required, it can help you avoid this additional monthly expense.