Embracing the Journey: Joe Dougherty's Path from Rock Stardom to Mortgage Consulting In this episode of 'Good News York,' host Mike Brindisi welcomes Joe Dougherty of Cross Country Mortgage. Despite the snowy spring day, the discussion stays warm and focused on positive news. Joe shares his journey from aspiring rock star to successful mortgage consultant, highlighting the importance of personalized service in the mortgage industry. He explains the intricacies of the home buying process, addressing common misconceptions about down payments and stressing the importance of financial literacy in public education. Joe also discusses the impact of economic changes on the mortgage market and provides insight into specialized loan programs that make home ownership more accessible. The episode wraps up with a light-hearted conversation about Joe's musical background and a fun debate on creating the ultimate rock band. 00:00 Welcome to Good News York 00:28 Meet Joe Dougherty: Mortgage Expert 01:52 The Mortgage Process Explained 04:25 The Importance of Financial Education 11:07 Helping People Achieve the American Dream 13:18 Navigating Market Volatility 21:36 Unique Loan Programs and Services 26:17 Addressing Down Payment Concerns 26:39 Exploring Loan Options and Grants 28:57 Myth Busting and Expert Advice 29:26 Tips for First-Time Home Buyers 32:08 Understanding Market Dynamics 34:22 Impact of Micron on Local Real Estate 37:25 From Mortgages to Music: Joe's Journey 41:18 Ultimate Dream Band Discussion 44:31 Closing Remarks and Contact Information