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Mortgage Beat
Mortgage Beat gives insight into the home-loan process specifically for police officers, firefighters, and other public-safety professionals. The podcast is hosted by Police Mortgage CEO, John Aretos – NMLS #268165
New Episodes Weekly
Live Every Thursday @ 9am
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Meet The Host

John Aretos
Host
As the CEO of an organization associated with serving the Police and their loved ones, I am privileged to play a role in helping our clients achieve their life’s financial goals. Our mission is to make the home buying or refinancing process as comfortable as possible, providing our clients with competitive products and excellent service.
I was born and raised in the Chicago metropolitan area, and I have a deep-rooted love and appreciation for the diverse culture which makes our city so special. My two older siblings and I grew up working in our parent’s restaurant, which instilled a work ethic and sense of family that I carry with me to this day.
I am a graduate of Indiana University and have been involved in the mortgage industry for nearly 35 years, helping thousands of clients save money or finance the home of their dreams. My passions are passing down my love of food, music, art, snow skiing, and red wine to my three children, who motivate me to be a better person each and every day!
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Welcome to the Mortgage Beat podcast. Brought to you by Police Mortgage: For First Responders Who Are Second To None! Mortgage Beat gives insight into the home-loan process specifically for police officers, firefighters, and other public-safety professio
By John Aretos
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Downsizing for Empty Nesters
October 28, 2025
Episode 071 of Mortgage BeatPolice Mortgage CEO, John Aretos, provides tips for empty nesters planning to downsize to a smaller home.Mortgage Beat is brought to you by Police Mortgage, a full-service
Possible Pitfalls of Moving to Another State
October 21, 2025
Episode 070 of Mortgage BeatWhile property taxes and other factors may make buying a home in another state look attractive, the grass isn't always greener on the other side. John Aretos explains why.M
Stability in Your Financial Plan
October 14, 2025
Episode 069 of Mortgage BeatMany times home ownership is a linchpin to a solid financial plan. Police Mortgage CEO, John Aretos, tells us why.Mortgage Beat is brought to you by Police Mortgage, a full
Breaking the Rent Rut
October 07, 2025
Episode 068 of Mortgage BeatPolice Mortgage CEO, John Aretos, applies the organization's motto of "Don't wait" to the action of moving from renting to owning.Mortgage Beat is brought to you by Police
Down-Payment Assistance
September 30, 2025
Episode 067 of Mortgage BeatHomebuying and home ownership requires a level of financial discipline that will pay dividends over the course of your wealth-building journey. That remains the case even i
Gen Z Homebuyers
September 23, 2025
Episode 066 of Mortgage BeatThere’s no question that it's tougher for Gen Z homebuyers than it was for their parents and grandparents. Police Mortgage CEO, John Aretos, provides some valuable tips for
End-of-Watch Loan Protection
September 16, 2025
Episode 065 of Mortgage BeatPolice Mortgage CEO, John Aretos, provides an update on the End-of-Watch Loan Protection program for first responders.Mortgage Beat is brought to you by Police Mortgage, a
Will There Be Opportunities in 2026?
September 10, 2025
Episode 064 of Mortgage BeatPolice Mortgage CEO, John Aretos, looks ahead to possible opportunities in the homebuying market heading into 2026.Mortgage Beat is brought to you by Police Mortgage, a ful
Should You Buy as Much House as You Can Afford?
May 20, 2025
Episode 063 of Mortgage BeatJohn Aretos answers a home-buying question that has been around for decades.Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to
First Policewomen
May 13, 2025
Episode 062 of Mortgage BeatDo you know which police department hired the first female police officers? It happened in one of Police Mortgage's primary markets.Mortgage Beat is brought to you by Polic
Chicago PD
May 06, 2025
Episode 061 of Mortgage BeatIn a side discussion during recording, John Aretos discusses his pride in the Chicago Police Department and the privilege Police Mortgage has to serve many of those officer
Arizona
April 29, 2025
Episode 060 of Mortgage BeatOne of the first states where Police Mortgage made its expansion was Arizona. John Aretos talks about this unique market.Mortgage Beat is brought to you by Police Mortgage,
Missouri
April 22, 2025
Episode 059 of Mortgage BeatContinuing our look at the major markets of Police Mortgage, John Aretos discusses their branch in Kirkwood, MO and the uniqueness of the St. Louis area.Mortgage Beat is br
Texas
April 15, 2025
Episode 058 of Mortgage BeatJohn Aretos continues his conversation on the major markets of Police Mortgage moving on to a discussion on the great state of Texas.Mortgage Beat is brought to you by Poli
Ohio
April 08, 2025
Episode 057 of Mortgage BeatIn an off-the-cuff discussion with the producer, John Aretos talks about what he likes about the state of Ohio - one of the major markets of Police Mortgage.Mortgage Beat i
Marry the House but Date the Rate
April 01, 2025
Episode 056 of Mortgage BeatIf you find your forever home it may be a good idea to pounce on it. John Aretos explains.Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage compa
Creating Generational Wealth
March 25, 2025
Episode 055 of Mortgage BeatCreating generational wealth almost always starts with buying a home. John Aretos tells you why.Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage
Best Time to Buy in 2025
March 18, 2025
Episode 054 of Mortgage BeatWhat is the best time to buy a property in 2025? Well, like most things in life, it depends.Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage comp
Mortgage Rates in 2025
March 11, 2025
Episode 053 of Mortgage BeatWhat should you expect with mortgage rates this year? John Aretos gives his expert opinion.Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage compa
A Safe Place for Law Enforcement
November 26, 2024
Episode 052 of Mortgage Beat Vivian Abraham explains why Police Mortgage is proud to be a haven for law enforcement professionals and their families when it comes to their finances. Mortgage Beat is
Buying a Home as a Savings Plan
November 19, 2024
Episode 051 of Mortgage Beat Buying a property is generally considered an investment. Can buying a home also serve as a savings plan? Vivian Abraham explains. Mortgage Beat is brought to you by Police
How Police Mortgage is Different
November 12, 2024
Episode 050 of Mortgage Beat Every company states they are different from their competitors. Vivian Abraham explains why Police Mortgage is different from other lenders, especially for first responder
There Is a Way Out of Debt
November 05, 2024
Episode 049 of Mortgage Beat Vivian Abraham explains why there is almost always a way out of debt. Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serv
No Surprises
October 29, 2024
Episode 048 of Mortgage Beat Buying a home can be stressful. Your loan officer shouldn't add to that stress. Dylan Walsh explains the "no-surprises" approach offered by Police Mortgage. Mortgage Beat
What Makes Police Mortgage Unique
October 22, 2024
Episode 047 of Mortgage Beat Dylan Walsh shares the differentiators that make Police Mortgage something special for first responders. Mortgage Beat is brought to you by Police Mortgage, a full-service
Indiana
October 15, 2024
Episode 046 of Mortgage Beat Vivian Abraham shares nuances about her regional focus and one of the primary markets of Police Mortgage, the state of Indiana. Mortgage Beat is brought to you by Police M
Financial Wellness Explained
October 08, 2024
Episode 045 of Mortgage Beat What exactly is “financial wellness?” Vivian Abraham explains what it should mean for first responders and their families. Mortgage Beat is brought to you by Police Mortga
The Near Future for Rates
October 01, 2024
Episode 044 of Mortgage Beat Police Mortgage CEO, John Aretos, discusses the real estate market, qualification, and refinancing in light of the recent rate cut by the Federal Reserve. Mortgage Beat is
Lower Mortgage Rates
September 24, 2024
Episode 043 of Mortgage Beat Police Mortgage CEO, John Aretos, speaks about the latest action by the Federal Reserve and what that may mean for lower mortgage interest rates the remainder of 2024 and
The Value of Pre-Qualifications
September 17, 2024
Episode 042 of Mortgage Beat Having a conversation with a loan officer if you are thinking of buying a home, even if that potential purchase is several months away, can be quite valuable. Dylan Walsh
Be Prepared for Rate Cuts
September 10, 2024
Episode 041 of Mortgage Beat Dylan Walsh suggests getting ahead of probable rate cuts by obtaining a pre-approval from your loan officer before the competition for home buying increases. Mortgage Beat
New Construction Loans
May 21, 2024
Episode 040 of Mortgage Beat Dylan Walsh and John Aretos discuss the complexities of borrowing for a new construction. Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage compa
Going to the Maximum
May 14, 2024
Episode 039 of Mortgage Beat Vivian Abraham and Dylan Walsh join CEO John Aretos to discuss the prudence of buying the most house you could possibly afford. Mortgage Beat is brought to you by Police
School Districts and Property Values
May 07, 2024
Episode 038 of Mortgage Beat Vivian Abraham and John Aretos discuss factors concerning school districts when it comes to property taxes and property values. Mortgage Beat is brought to you by Police M
HOA Considerations
April 30, 2024
Episode 037 of Mortgage Beat Dylan Walsh and John Aretos discuss considerations of buying a property and the pre-approval process when a home owners' association is a part of the equation. Mortgage Be
Conversations
April 23, 2024
Episode 036 of Mortgage Beat Sometimes you just want to have a conversation. Police Mortgage loves having discussions with first responders concerning their home-buying needs. CEO John Aretos explains
For Sale By Owner
April 16, 2024
Episode 035 of Mortgage Beat CEO John Aretos talks about the pros on cons of the "For Sale By Owner" strategy. Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedic
Renovations and Upgrades
April 09, 2024
Episode 034 of Mortgage Beat Taking money out of your home to make upgrades may be prudent under certain circumstances. CEO John Aretos explains when it makes sense. Mortgage Beat is brought to you by
The Final Walkthrough
April 02, 2024
Episode 033 of Mortgage Beat There are two components of the final walk-through when buying a property. CEO John Aretos details both and talks about why the amount of earnest money plays a factor. Mor
Pre-Approval Costs
March 26, 2024
Episode 032 of Mortgage Beat Vivian Abraham and Dylan Walsh join CEO John Aretos to point out the fees some lenders charge for a pre-approval. Mortgage Beat is brought to you by Police Mortgage, a ful
The Unpredictability of 2024
March 19, 2024
Episode 031 of Mortgage Beat Vivian Abraham and Dylan Walsh join CEO John Aretos to discuss the strategy of obtaining a mortgage today with an expectation of refinancing at a lower rate in 2025. Mortg
Waiting for Rates to Fall?
March 12, 2024
Episode 030 of Mortgage Beat Vivian Abraham and Dylan Walsh join CEO John Aretos to discuss the strategy of postponing your home-buying search until mortgage rates begin to fall. Mortgage Beat is brou
Possible Rate-Saving Options in 2024
March 05, 2024
Episode 029 of Mortgage Beat Vivian Abraham and Dylan Walsh join CEO John Aretos to discuss how FHA and VA loans may offer better rates than conventional mortgages for some home buyers. Mortgage Bea
Home Inspection Failures
February 27, 2024
Episode 028 of Mortgage Beat CEO John Aretos provides common reasons why a property may fail a home inspection. Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedi
Home Inspections
February 20, 2024
Episode 027 of Mortgage Beat Why are home inspections imperative and what's the difference from an appraisal? CEO John Aretos provides answers to both. Mortgage Beat is brought to you by Police Mortg
Spring Rates 2024
February 13, 2024
Episode 026 of Mortgage Beat CEO John Aretos looks forward to the spring of 2024 as well as the rates and home-buying market we can likely expect. Mortgage Beat is brought to you by Police Mortgage, a
Mortgages and Your Credit Score
February 06, 2024
Episode 025 of Mortgage Beat CEO John Aretos details how a mortgage affects your credit score as well as what mortgage professionals look at when it comes to your past use of credit. Mortgage Beat is
Condominiums, Right of First Refusal, Transfer Taxes, and More
January 30, 2024
Episode 024 of Mortgage Beat CEO John Aretos gets home buyers ready for 2024 by explaining many nuances that the average consumer may not consider when beginning a search for a new property. Mortgage
Market Update 2024
January 23, 2024
Episode 023 of Mortgage Beat CEO John Aretos gives a brief update on mortgage rates and his outlook on homebuying for 2024. Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage
Insurance Considerations
January 16, 2024
Episode 022 of Mortgage Beat There are different types of insurance associated with buying a new home. CEO John Aretos shares his expertise on what homebuyers need to understand. Mortgage Beat is bro