On episode #26 of the ONE Path to Wealth podcast, host Jeremy Dicker welcomes Shelby Elias, founder and CEO of United Wholesale Lending (UWL). Shelby started his mortgage company in 2008 at just 23 years old, arguably the worst time in history to launch one.

He has since built a business that brings real estate, lending and construction under one roof. He has invested through every kind of market himself: buying homes on the courthouse steps, building spec houses and growing a personal portfolio from California to Arizona.

Jeremy and Shelby cover a lot of ground, including:

• Starting out in the 2008 crash: why Shelby saw opportunity when other mortgage companies were collapsing, and how he recruited top talent the industry was losing
• Then vs. now: why today’s strict lending standards make a 2008-style crash unlikely
• How to buy in a flat market: spotting motivated sellers, negotiating without emotion and finding hidden value in a property
• Practicing what he preaches: why your real estate advisor should invest in real estate, just as your financial advisor should have money in the markets
• Location, location, location: why patience and the right location matter more than timing the market
• California vs. Arizona: new ADU and lot-split laws, rebuilding in beach towns, homeowners insurance and property taxes, and why Arizona’s growth excites him
• Unique loan programs: a home loan open to a wide range of medical professionals, and an equity builder loan that lets you borrow against your home like a line of credit
• Where rates are headed: why the 3% days are likely gone, and how to work out whether paying points is worth it
• Assumable mortgages: an overlooked way to take over a seller’s lower interest rate
• Advice for buyers: why getting fully underwritten before you make an offer can put you on par with a cash buyer

Whether you’re a first-time buyer, a seasoned investor or a business owner thinking about your next property, this conversation offers practical, hands-on insight from someone who has bought, built and financed through every kind of market.

Subscribe for more episodes of ONE Path to Wealth, and visit onewealthmgmt.com to learn more about One Wealth.

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