Episode 72 · Originally released February 6, 2026 · 50:42
Hosted by Declan Spring
A mortgage decision involves more than a rate quote. Declan Spring talks with Brady Thomas of LaSalle Mortgage about preparation, affordability and the lender’s role in a competitive East Bay offer.
In this episode
Why a fully underwritten preapproval can strengthen an offer.
How bond markets relate to mortgage rates.
ADU rental-income qualification and financing questions.
Insights from Brady’s local agent Field Report.
Listen & explore
Listen to the full episode and read the transcript →
This conversation reflects lending conditions at the original release date. Ask your lender to confirm current rates, program rules and property-specific eligibility.
Plan your East Bay home search
Start a conversation with The Home Factor about your goals and timing. Read our guide to buying in Berkeley and the East Bay.