Today’s Head in the Clouds episode is a must-listen for agents and homebuyers who think insurance is something you deal with after the deal is done. Heather is joined by trusted insurance advisor Malachi Loyal of Comparion Insurance Agency to reveal what really matters when it comes to protecting the biggest investment of your life—your home. From roof age and ZIP code risks to renters and mobile home policies, this episode will shift how you think about coverage.

1. Intro

   • Host Heather and guest Malachi Loyal from Comparion Insurance

   • Why insurance goes beyond paperwork—protecting belongings and peace of mind

2. Homeowner’s Insurance Essentials

   • Mortgage lenders require it; no insurance = no protection

   • Explanation of Coverage A–F: dwelling, other structures, personal property, loss of use, liability, medical payments

3. Risk Transfer & Coverage Options

   • Deductibles, rebuild vs. market value

   • Appraisals for high-value items (e.g., fine art)

   • Bundling auto and home policies—trust but compare

4. Timing & Location Considerations

   • When agents/buyers should contact insurance—day one under contract

   • ZIP code, flood zones, and roof age heavily impact premiums

5. Renters’ Insurance

   • Covers tenant property and liability—don’t rely on landlord’s policy

6. Overlooked Points During Due Diligence

   • Age of roof, plumbing, HVAC systems

   • Hazards: trees, overgrown limbs, driveway cracks, debris

   • Examples from real claims—when good coverage made all the difference

7. Mobile & Vacant Lot Insurance

   • Separate policies for mobile/manufactured homes, boats, jet-skis, dirt bikes

   • Vacant land still needs liability coverage

8. Agent–Insurer Workflow

   • What happens after agents pass along property details

   • Gathering data: roof, age, utilities, location

   • Customizing policies with clear client conversations

   • Staying calm and acting as voice of reason during client claims

9. Final Takeaways

   • Roof age (15+ years), tree & debris hazards, well-maintained yard = smoother underwriting

   • Agents can differentiate themselves by guiding clients through these factors

   • Contact info:

     • Phone: (404) 543‑4826

     • Email: malachi.loyal@comparioninsurance.com

Guest: Malachi Loyal, Sales Representative at Comparion Insurance Agency
Serving all of Georgia

Learn more or get a quote
Direct: (678) 926-5645
Cell: (404) 543-4826
malachi.loyal@comparioninsurance.com

️

Book a 1-on-1 Session:

• With Heather:

• (00:00:01) - Insurance for Real Estate Agents
• (00:01:05) - Having Insurance for Homeownership
• (00:02:00) - Do Homeowners Need Insurance?
• (00:07:08) - Do I Need Flood Insurance?
• (00:11:29) - Remy the Insurance Representative
• (00:12:26) - Insurance Advisor: Real Estate Agents and Referrals
• (00:14:37) - Find out the age of the roof when buying a home
• (00:20:41) - Insurance Claims 101
• (00:28:02) - Homeowners Insurance 101
• (00:31:10) - Property Insurance 101

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.

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

• Call/Text Tim: (770) 856-6397

• Book a 1-on-1 Session:

  • With Heather: Schedule with Heather

  Never Miss a Show:

  Subscribe at RealTalkHA.live

  Join Our Community:

  Head in the Clouds Agent Group – A free space to collaborate, grow, and get inspired with other driven agents.

• (00:00:00) - Head in the Clouds: Mortgages
• (00:01:15) - Timothy Miller on Becoming a Mortgage Agent
• (00:02:04) - How Has the Real Estate Industry Changed?
• (00:03:03) - What's Your Favorite Part of the Job?
• (00:03:54) - How to Get a Homeowners Loan
• (00:05:52) - Do You Need a Mortgage From a Bank or a Broker?
• (00:08:07) - Mortgage Options for Buying a House
• (00:11:55) - Timid Mortgage Corp: Help Your Homeowner Buy a Home
• (00:14:19) - Buying a House in the Gig Economy
• (00:19:28) - The Interest Rate on a Home Loan
• (00:21:26) - Real Estate Agents: I Wish More Agents Knew About Appra
• (00:23:23) - Homebuyers: Down Payment Assistance
• (00:28:00) - DPA: Down Payment Assistant
• (00:31:31) - House Buyers: Debt to Income
• (00:37:01) - One thing to be sure of is your offer letter
• (00:38:05) - FHA Loans, How Do They Work?
• (00:41:39) - Real Estate Comment: Rates and the Housing Market
• (00:45:23) - What is REFINANCING?
• (00:49:08) - Mortgage Corp.

In this episode of Head in the Clouds, Heather sits down with Georgia-based real estate agent Tony Holden — a top producer who pivoted from residential sales to investor-focused real estate deals.

Tony opens up about:

• Why the 2022 market shift pushed him into working with investors

• The exact process he follows to find, vet, and flip properties

• What agents need to know before jumping into the investing game

• How he built rock-solid trust with buyers who spend $400K sight unseen

• The biggest myths new investors believe (and how to avoid costly mistakes)

Whether you're an agent looking to work with investors or a first-time buyer eyeing your first flip, this episode is packed with real talk, tactical advice, and golden nuggets you won’t want to miss.

Guest: Tony Holden
Location: Cumming, Georgia
Website: HoldenHomesRE.com
Instagram: @tonyholdenrealtor
Facebook: Tony Holden

Contact Tony: 770-800-8216

Learn more about how you can transition from traditional real estate to the investment side and create consistent cash flow—even in shifting markets.

Ready to ditch the hustle and scale smarter? Join us at Cloud Realty and get your own Pipeline on Demand.

Book a 1-on-1 Session:

• With Heather: Schedule with Heather

Never Miss a Show:

Subscribe at RealTalkHA.live

Join Our Community:

Head in the Clouds Agent Group – A free space to collaborate, grow, and get inspired with other driven agents.

• (00:00:00) - How to Get Your Real Estate License in Georgia
• (00:01:50) - What Made You Switch From Real Estate to Investment?
• (00:04:02) - Tony the Investor Agent Discusses His Changes
• (00:05:06) - Have You Got What it Takes to Be an Investment Agent?
• (00:06:15) - How Do You Find The Right Property For Investors?
• (00:08:34) - Can You Find the Right House?
• (00:10:19) - Real Estate Talk: Investors and Property
• (00:16:18) - Home Buyer vs. Investor Agent: What's The Difference?
• (00:18:53) - How Much Should an Investor Spend on a Real Estate Property?
• (00:21:11) - Investment Loans
• (00:23:08) - How To Ruin a Real Estate Deal?
• (00:25:47) - Real Estate Agents and Investors
• (00:27:26) - Do Repairs Need to Be Done on Your Home?
• (00:29:57) - Should Home Buyers Be Warned of Repairs?
• (00:32:32) - When you're working in this market with investors, what type of
• (00:34:02) - Know Your Numbers When Listing a Home
• (00:35:57) - Real Estate Network: Knowing Your Numbers, Double Check
• (00:37:22) - Tony Holden on Investing