Steve Harvey Morning Show

Money Tips: She discusses home financing options such as Reverse Mortgages, Zero Down Payment Programs and FHA 203K Program.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard.

Purpose of the Interview

The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned.

Key Takeaways

Background and Career Path
- Latrease has a finance degree and started in investment operations in 1999.
- Transitioned from auto financing and co-owning a car dealership to mortgage lending.
- Became an independent mortgage broker in 2022 after being laid off during rising interest rates.
Role of an Independent Mortgage Broker
- Holds her own license and partners with multiple lenders to offer tailored loan products.
- Advocates for borrowers to ensure they get the right product, not just approval.
- Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges.
Home Financing Insights
- Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance.
- Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs.
- FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers.
Credit Challenges
- Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates.
- Latrease consults and provides “what-if” scenarios to help clients improve credit over time.
Entrepreneurial Lessons
- Mistakes: Starting without enough capital and a strong pipeline; economic timing matters.
- Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent.

Notable Quotes

On independence:
“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.”
On reverse mortgages:
“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.”
On credit challenges:
“Programs go as low as 500 credit score, but those borrowers need 10–20% down.”
On entrepreneurial advice:
“Make sure you have strong capital and a solid pipeline before stepping out on faith.”
On perseverance:
“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.”

#SHMS #STRAW #BEST

Support the show: https://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

January 12, 2026

Money Tips: She discusses home financing options such as Reverse Mortgages, Zero Down Payment Programs and FHA 203K Program.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard.

Purpose of the Interview

Key Takeaways

Background and Career Path
- Latrease has a finance degree and started in investment operations in 1999.
- Transitioned from auto financing and co-owning a car dealership to mortgage lending.
- Became an independent mortgage broker in 2022 after being laid off during rising interest rates.
Role of an Independent Mortgage Broker
- Holds her own license and partners with multiple lenders to offer tailored loan products.
- Advocates for borrowers to ensure they get the right product, not just approval.
- Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges.
Home Financing Insights
- Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance.
- Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs.
- FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers.
Credit Challenges
- Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates.
- Latrease consults and provides “what-if” scenarios to help clients improve credit over time.
Entrepreneurial Lessons
- Mistakes: Starting without enough capital and a strong pipeline; economic timing matters.
- Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent.

Notable Quotes

On independence:
“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.”
On reverse mortgages:
“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.”
On credit challenges:
“Programs go as low as 500 credit score, but those borrowers need 10–20% down.”
On entrepreneurial advice:
“Make sure you have strong capital and a solid pipeline before stepping out on faith.”
On perseverance:
“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.”

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

January 12, 2026

Money Tips: She discusses home financing options such as Reverse Mortgages, Zero Down Payment Programs and FHA 203K Program.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard.

Purpose of the Interview

Key Takeaways

Background and Career Path
- Latrease has a finance degree and started in investment operations in 1999.
- Transitioned from auto financing and co-owning a car dealership to mortgage lending.
- Became an independent mortgage broker in 2022 after being laid off during rising interest rates.
Role of an Independent Mortgage Broker
- Holds her own license and partners with multiple lenders to offer tailored loan products.
- Advocates for borrowers to ensure they get the right product, not just approval.
- Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges.
Home Financing Insights
- Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance.
- Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs.
- FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers.
Credit Challenges
- Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates.
- Latrease consults and provides “what-if” scenarios to help clients improve credit over time.
Entrepreneurial Lessons
- Mistakes: Starting without enough capital and a strong pipeline; economic timing matters.
- Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent.

Notable Quotes

On independence:
“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.”
On reverse mortgages:
“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.”
On credit challenges:
“Programs go as low as 500 credit score, but those borrowers need 10–20% down.”
On entrepreneurial advice:
“Make sure you have strong capital and a solid pipeline before stepping out on faith.”
On perseverance:
“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.”

#SHMS #STRAW #BEST

See omnystudio.com/listener for privacy information.

January 12, 2026

Overcoming the Odds: Young Adult Internships, skill-building, and career readiness for those not pursuing college.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Christina Dukes Brown.

CEO of the Boys & Girls Club of Paterson and Passaic, NJ

Purpose of the Interview

The interview aimed to:

Raise awareness about the Boys & Girls Club’s impact on underserved communities in Paterson and Passaic, NJ.
Issue a call to action for volunteers, mentors, corporations, and donors to support youth programs.
Highlight challenges faced by marginalized communities and how the Club addresses them through education, nutrition, and character-building programs.

Key Takeaways

Community Impact
- The Club serves 1,400 children and teens daily across two main clubhouses and 11 satellite sites.
- Programs include academic support, tutoring, arts, athletics, and life skills development.
Challenges in the Community
- High rates of homelessness, food deserts, and low literacy and math proficiency (only ~20% literate and ~15% proficient in math in Paterson).
- Stereotypes and “deficit ideology” that assume poor or minority youth lack capacity for success.
Programs and Initiatives
- Academic Support: Homework help, tutoring, and Saturday sessions.
- Creative Outlets: Dance, musicals, and arts.
- Sports & Aquatics: Swimming program praised for breaking stereotypes.
- Young Adult Support (18–24): Internships, skill-building, and career readiness for those not pursuing college.
Call to Action
- Volunteers and mentors needed to inspire youth.
- Corporations and entrepreneurs encouraged to provide internships and teach business skills.
- Donations critical—$4M annual fundraising goal to sustain programs.
Dr. Brown’s Motivation
- Rooted in her upbringing in Jersey City during the crack era.
- Believes in being part of the solution, not just complaining about systemic issues.
- Emphasizes building “efficacious spirits” and affirming unique skills in youth.

Notable Quotes

On Motivation:
“I can’t complain about the position of Black and Brown people in society if I’m not going to do the work necessary to support its elevation.”
On Stereotypes:
“Deficit ideology assumes that if you are poor or minority, you do not have the capacity to be successful. We fight that every day.”
On Community Support:
“My community got me where I am today… I’m calling on the village to support what we’re trying to do.”
On Youth Potential:
“No matter where you come from, and no matter what you look like, you have the capacity to become great.”

#SHMS #STRAW #BEST

Support the show: https://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

January 12, 2026

Overcoming the Odds: Young Adult Internships, skill-building, and career readiness for those not pursuing college.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Christina Dukes Brown.

CEO of the Boys & Girls Club of Paterson and Passaic, NJ

Purpose of the Interview

The interview aimed to:

Raise awareness about the Boys & Girls Club’s impact on underserved communities in Paterson and Passaic, NJ.
Issue a call to action for volunteers, mentors, corporations, and donors to support youth programs.
Highlight challenges faced by marginalized communities and how the Club addresses them through education, nutrition, and character-building programs.

Key Takeaways

Community Impact
- The Club serves 1,400 children and teens daily across two main clubhouses and 11 satellite sites.
- Programs include academic support, tutoring, arts, athletics, and life skills development.
Challenges in the Community
- High rates of homelessness, food deserts, and low literacy and math proficiency (only ~20% literate and ~15% proficient in math in Paterson).
- Stereotypes and “deficit ideology” that assume poor or minority youth lack capacity for success.
Programs and Initiatives
- Academic Support: Homework help, tutoring, and Saturday sessions.
- Creative Outlets: Dance, musicals, and arts.
- Sports & Aquatics: Swimming program praised for breaking stereotypes.
- Young Adult Support (18–24): Internships, skill-building, and career readiness for those not pursuing college.
Call to Action
- Volunteers and mentors needed to inspire youth.
- Corporations and entrepreneurs encouraged to provide internships and teach business skills.
- Donations critical—$4M annual fundraising goal to sustain programs.
Dr. Brown’s Motivation
- Rooted in her upbringing in Jersey City during the crack era.
- Believes in being part of the solution, not just complaining about systemic issues.
- Emphasizes building “efficacious spirits” and affirming unique skills in youth.

Notable Quotes

On Motivation:
“I can’t complain about the position of Black and Brown people in society if I’m not going to do the work necessary to support its elevation.”
On Stereotypes:
“Deficit ideology assumes that if you are poor or minority, you do not have the capacity to be successful. We fight that every day.”
On Community Support:
“My community got me where I am today… I’m calling on the village to support what we’re trying to do.”
On Youth Potential:
“No matter where you come from, and no matter what you look like, you have the capacity to become great.”

#SHMS #STRAW #BEST

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

January 12, 2026

Overcoming the Odds: Young Adult Internships, skill-building, and career readiness for those not pursuing college.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Christina Dukes Brown.

CEO of the Boys & Girls Club of Paterson and Passaic, NJ

Purpose of the Interview

The interview aimed to:

Raise awareness about the Boys & Girls Club’s impact on underserved communities in Paterson and Passaic, NJ.
Issue a call to action for volunteers, mentors, corporations, and donors to support youth programs.
Highlight challenges faced by marginalized communities and how the Club addresses them through education, nutrition, and character-building programs.

Key Takeaways

Community Impact
- The Club serves 1,400 children and teens daily across two main clubhouses and 11 satellite sites.
- Programs include academic support, tutoring, arts, athletics, and life skills development.
Challenges in the Community
- High rates of homelessness, food deserts, and low literacy and math proficiency (only ~20% literate and ~15% proficient in math in Paterson).
- Stereotypes and “deficit ideology” that assume poor or minority youth lack capacity for success.
Programs and Initiatives
- Academic Support: Homework help, tutoring, and Saturday sessions.
- Creative Outlets: Dance, musicals, and arts.
- Sports & Aquatics: Swimming program praised for breaking stereotypes.
- Young Adult Support (18–24): Internships, skill-building, and career readiness for those not pursuing college.
Call to Action
- Volunteers and mentors needed to inspire youth.
- Corporations and entrepreneurs encouraged to provide internships and teach business skills.
- Donations critical—$4M annual fundraising goal to sustain programs.
Dr. Brown’s Motivation
- Rooted in her upbringing in Jersey City during the crack era.
- Believes in being part of the solution, not just complaining about systemic issues.
- Emphasizes building “efficacious spirits” and affirming unique skills in youth.

Notable Quotes

On Motivation:
“I can’t complain about the position of Black and Brown people in society if I’m not going to do the work necessary to support its elevation.”
On Stereotypes:
“Deficit ideology assumes that if you are poor or minority, you do not have the capacity to be successful. We fight that every day.”
On Community Support:
“My community got me where I am today… I’m calling on the village to support what we’re trying to do.”
On Youth Potential:
“No matter where you come from, and no matter what you look like, you have the capacity to become great.”