Tom Stone
74 episodes listed below
Mortgage talk for real life.
Dollars and Sensibility with Tom Stone is a brisk, practical real estate finance show built around everyday questions. Reverse mortgages, buying now, unusual properties, and young people entering money decisions all become kitchen-table explanations rather than abstract market talk.
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Dollars and Sensibility with Tom Stone is a plainspoken show about mortgages, real estate, and the personal choices that sit underneath money. Tom Stone keeps the subject close to home. He talks about rates, refinancing, reverse mortgages, equity, property types, and market behavior, but he usually brings the point back to a family deciding what kind of life they can build. The show is brisk and conversational, with a host who thinks out loud and circles the lesson until it lands. That can mean repeating a contrast, correcting himself mid-thought, or using a small story from work or family life to explain a financial idea. Reverse mortgages are treated as a case study in fear and information. Saying no is not the same as knowing, and the show uses that distinction to argue for understanding before rejecting an option. Real estate timing gets the same direct treatment. Tom Stone makes the case that people still move, remodel, buy second homes, and change circumstances even when low pandemic-era rates make them hesitate. The advice is opinionated. It is also grounded in ordinary borrower situations rather than charts alone. Guest episodes widen the lens. Tori Broughton helps frame the question of trusting someone new in the real estate industry. Brandon Hicken joins a conversation about unique properties and the way similar borrower problems arrive in cycles. Mariah Savie brings a young homebuyer story built around buying a first house at 19. Lucy Rand and McCoy Anderson add student perspectives on work, school, entrepreneurship, and what younger people think about the economy they will inherit. Charlotte Stone turns a family conversation into a small lesson about homes, money, and confidence. The show suits people who want mortgage talk without a stiff finance-show tone. It is warm, insistent, and personal, with enough repetition to make complicated choices feel less remote.
Made for: Best for homebuyers, homeowners, young adults, and families trying to understand real estate decisions without formal finance jargon. It also fits listeners weighing rates, refinancing, equity, or whether to act now.
What sets it apart: The show makes mortgage mechanics feel personal by tying them to family stories, borrower scenarios, and direct questions. Its strongest moments come when a technical product becomes a concrete choice about freedom, security, or moving forward.
Money is a big part of all of our lives - so let’s make it a positive thing. Tune in with Tom where he keeps it real, breaks down the basics, and gets first-hand advice from the experts. Contact Tom Stone at goapplywithtom.com
Tom Stone turns mortgage what-ifs into math, so your next big decision feels less haunted.
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Short reviews from the PlayNext desk, based on the episodes we processed.
Tom Stone turns N-O into K-N-O-W and makes a clear case for treating home equity as part of retirement planning.
Tom Stone frames reverse mortgage thinking as a shift from instinctive N-O to K-N-O-W, and the argument is built around a simple planning idea: around age 62 and in the years before or after it, home equity can be treated as part of a broader strategy instead of being left…
A practical homeownership story linking equity, refinancing, and student-loan payoff.
Tom Stone keeps this episode centered on Ashley Anderson, who has worked in the office for over 11 years and came into the field from hospitality with no mortgage background.
A plainspoken look at hybrid ARM timing, mortgage turnover, and the forces that can shape rates.
Adjustable-rate mortgages get a useful, practical run-through, centered on what happens after the opening fixed-rate period and why that timing matters for borrowers.
A grounded 2026 buying discussion weighs timing, loan structure, and uncertainty without pretending the answer is simple.
Buying in 2026 comes across less as a yes-or-no call than a test of how much uncertainty a buyer can live with. Tom Stone and Brandon frame the year around the questions many shoppers are already asking: whether to move now, where rates may go, and how mortgage and housing…
Frugality without the shame spiral.
Money rules for real-life tradeoffs.
Evidence before investing conviction.
Abundance coaching with a devotional pulse.
On Dollars and Sensibility, Tom Stone challenges the phrase “at least I’m doing something” when a person has no goal behind the action.
Tom Stone and Brandon Hicken examine how people solve major financial and personal decisions, using home purchases, mortgages, marriage, and business growth as examples.
Loan officer Tom Stone and his daughter-in-law Elizabeth Stone recount how they pushed her husband Tate to buy a $700,000 home in 2020 when rent was $1,500 and the new payment was about $3,100.
No, or know?
This episode discusses whether to trust new professionals in the real estate industry, featuring insights from a veteran loan officer and a very new agent.
This episode discusses financing unique real estate properties and how borrower situations and property types tend to come in cycles within the mortgage industry.
This episode features an interview with Mariah Savie, who bought her first house at age 19, discussing how young people can overcome financial fears and achieve home ownership and entrepreneurship.
This episode features an interview with 18-year-old entrepreneur Lucy Rand, discussing her experience in the CAPS program and how it provides real-world business education for high school students.
This episode features an interview with high school senior McCoy Anderson to explore the perspectives of younger generations on money and the economy, challenging stereotypes with the 'Kids These Days' theme.
Tom Stone centers the conversation on Ashley Anderson, who has worked in the office for over 11 years after starting in hospitality.
Danielle Humphreys hosts Tom Stone and Brandon Hicken for a client-question episode about adjustable-rate mortgages, or ARMs, and why they are returning after fixed rates dominated the market.
Tom Stone and Brandon examine whether January 2026 is a good time to buy, arguing that buyers should evaluate personal finances alongside investor conditions and market stability.
This episode explores how personal branding and setting boundaries in professional relationships, particularly in the mortgage industry, can influence financial success and career advancement.
This episode discusses mortgage strategies and financial insights, including the concept of 'dating the rate and marrying the house' to navigate home buying decisions.
Tom Stone introduces his podcast's return, focusing on discussing fiscal conservatism versus fiscal progressiveness while sharing stories from local real estate investors and business builders.
Tom Stone discusses building a spec house as a real estate investment, explaining the risks and rewards of speculating on property development.
Host Tom Stone interviews guests Levi Shomas and Natalie Crossley about the surprising connections between art, therapy, and real estate in achieving personal fulfillment and understanding money.