Welcome back to another episode of Passive Real Estate Investing. I'm your host, Marco Santarelli. And today we are going to talk a little bit about what the heck is going on with Fannie Mae and Freddie Mac and the mortgage financing in this country, especially as it relates to you as a real estate investor, you'll want to stick around for the next 20 minutes. As I bring Aaron Chapman back on one of our primary mortgage lenders that we work with, we probably work with five or six different companies to help investors finance their deals. And the nice thing about the people we work with is they specialize in investment loans, conventional financing for real estate investors. They don't do anything but that, so they understand the mindset of the real estate investor, what they're looking for and what they need and how to structure their financing to maximize their returns, their ability to leverage the lowest rates.
And remember, it's not always about interest rates. Yes, rates are important, but you've got to look at the bigger picture because your returns are spread across different legs of the stool. It's not just having a very low, I guess it's all relative. So I can't really compare that to anything, but it's not about having the absolute lowest debt service payment, because even if it's off by 10, $20 a month, you might be missing out on great deals that can provide you literally thousands of dollars of additional equity gains each and every year, if you're not missing out on those deals. So don't get too hyper-focused on interest rates. It's a bigger picture. And we can have that conversation with you with our investment counselors here or with any of our mortgage lenders that we work with. So Fannie Mae released some interesting news just recently. They are tightening up their standards on investment properties and how much they're willing to lend from their pool of funds. So with that, I wanted to bring one of our mortgage lenders, Aaron Chapman, to the show. And with that, let us get right onto that interview.
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It's my pleasure to welcome back to the show, Aaron Chapman. He is one of our rock star mortgage lenders that we use frequently and quite literally every day. So Aaron, welcome back to the show.

Good to be back to the show brother. This is I think number five or six.

I dunno, it's a lot, but it's not enough, but it's all good. I mean, you're a, you're a wealth of knowledge and we do a lot of work with you and you know, what's going on in the mortgage industry. So let's talk about that. Something hit the wire, as you were saying just recently. And it has to do with changes to mortgage financing that investors really need to know about. So before we get into that, I want to make sure that people who are new to the show, understand who I'm talking to. So tell us a little bit about yourself.

So, uh, been in the lending industry for 23 years, got into it in 1997. The stories really, really detailed how I got here. So we're all going to hit that at all today because we don't have the time. So I've been focused on the real estate investor in 2003 and then really started developing a relationship and an understanding of the investor to the extent that that's right, but business focused now to kind of give an idea, but I tell people is that, you know, the main thing you got to have is good solid professionals on your team.