In this episode of Head in the Clouds, Heather Fowler sits down with Tim Arrington, a seasoned mortgage broker and owner of Mortgage Core, to unravel the truth about home loans, down payment myths, and how buyers and agents can finally stop losing deals to financing chaos.

Guest Bio:
Tim Arrington is the owner and broker at Mortgage Core. With over 25 years of experience, Tim is a trusted partner for real estate agents and buyers who need transparency, strategy, and a path to the closing table.

We cover:

• Why the mortgage game has changed—and how to play it smart

• Common buyer misconceptions that cost them their dream home

• A behind-the-scenes look at what lenders actually look at

• The truth about down payment assistance (and who should avoid it)

• Real talk on rates, refis, DTI, and what’s next in the 2025 market

Whether you’re a first-time homebuyer, a seasoned agent, or somewhere in between, this episode will arm you with the clarity and strategy to win in today’s housing market.

Don’t forget to like, subscribe, and share with a fellow agent or home shopper who needs this clarity.

Episode Links:

• Apply with Tim at https://mortgagecore.com/

• Call/Text Tim: (770) 856-6397

• Link with Heather, Let's Connect!

• Got questions or want to work with Heather? Book a

  Strategy Session