Did you know one of the clearest perspectives on homeownership comes from someone who has lived instability, served in the military, and worked his way up from the inside of the mortgage business?

In this episode of the NOH USA Podcast, Fernando Ospina, President of Alterra Home Loans, shares openly about his early years, including military service and a season of living in an attic, and how those experiences shaped the way he works, leads, and thinks about responsibility. His perspective is grounded in having lived both struggle and scale.

He also explains how obsession played a role early in his career, what it takes to succeed at a high level, and how staying close to the work through the Great Recession and beyond shaped what he notices about homeownership today. He speaks from what he has seen repeatedly over time, and how to learn from it.

A grounded NOH conversation about:

• Fernando’s background and path into leadership

• How military service shaped discipline and responsibility

• What early struggle taught him about work and commitment

• Why obsession shows up in building something meaningful

• What he observed during and after the housing crash

• How long-term behavior matters after the purchase

-------------------

JOIN OUR MOVEMENT: https://www.nationofhomeowners.com/

APPLY FOR A HOME LOAN: https://bit.ly/NOHApply

SCHEDULE HOMEBUYING CONSULTATION: https://bit.ly/NOHBuyers

SCHEDULE REFINANCE CONSULTATION: https://bit.ly/NOHReFi

GROW WITH US: https://bit.ly/NOHConnect

PRE-ORDER OUR BEST-SELLING BOOK NATION OF HOMEOWNERS https://bit.ly/NOHBook

SUPPORT THE GOUCHE FOUNDATION: https://bit.ly/GoucheFoundation

TEXT US: Text (424) 479-9980 to to get the latest updates in real-time!

-------------------

ABOUT US (NOH USA PODCAST)

Nick J. Gouché is the founder and CEO of Nation of Homeowners Mortgage Group and host of the NOH USA Podcast. He is a nationally recognized mortgage expert, bestselling author, and thought leader committed to restoring hope and trust in the American Dream of homeownership.

With over $1 billion in funded home loans, Nick has helped thousands of families build wealth through ownership. He is also the author of Nation of Homeowners and 10 additional books on wealth, leadership, and financial literacy.

A husband and father, Nick resides in Los Angeles, California, where he continues his mission to empower renters, homeowners, and future generations with the knowledge and strategies to achieve long-term financial freedom through real estate.

The NOH USA Podcast delivers real data, real solutions, and real stories—all with one goal:

Turn 1 million renters into wealthy homeowners and rebuild the American Dream.

Did you know the wealth gap is driven less by income and more by who gets access to the right information early enough to act on it?

In this episode of the NOH USA Podcast, features Marc Henderson and Ryan Sims from Thirvent Financial and introduces the Future Homeowner Fund concept and explains how small, disciplined investments made early in a child’s life can compound into real ownership opportunities later on. It highlights the role of financial literacy, trusted partnerships, and community-based leadership in breaking cycles that have persisted for generations. The message is clear. The gap is not caused by lack of ability or ambition, but by lack of exposure and access, and that can be changed with intention and structure.

A grounded and forward-looking conversation about:

• Why capital and access remain the biggest barriers to wealth building
• How starting early changes long-term outcomes for families
• The role of churches, nonprofits, and partnerships in closing the gap
• Why financial education must meet people where they are
• How small, consistent actions compound into future ownership
• What it takes to move from awareness to real generational impact

-------------------

JOIN OUR MOVEMENT: https://www.nationofhomeowners.com/

APPLY FOR A HOME LOAN: https://bit.ly/NOHApply

SCHEDULE HOMEBUYING CONSULTATION: https://bit.ly/NOHBuyers

SCHEDULE REFINANCE CONSULTATION: https://bit.ly/NOHReFi

GROW WITH US: https://bit.ly/NOHConnect

PRE-ORDER OUR BEST-SELLING BOOK NATION OF HOMEOWNERS https://bit.ly/NOHBook

SUPPORT THE GOUCHE FOUNDATION: https://bit.ly/GoucheFoundation

TEXT US: Text (424) 479-9980 to to get the latest updates in real-time!

-------------------

ABOUT US (NOH USA PODCAST)

Nick J. Gouché is the founder and CEO of Nation of Homeowners Mortgage Group and host of the NOH USA Podcast. He is a nationally recognized mortgage expert, bestselling author, and thought leader committed to restoring hope and trust in the American Dream of homeownership.

With over $1 billion in funded home loans, Nick has helped thousands of families build wealth through ownership. He is also the author of Nation of Homeowners and 10 additional books on wealth, leadership, and financial literacy.

A husband and father, Nick resides in Los Angeles, California, where he continues his mission to empower renters, homeowners, and future generations with the knowledge and strategies to achieve long-term financial freedom through real estate.

The NOH USA Podcast delivers real data, real solutions, and real stories—all with one goal:

Turn 1 million renters into wealthy homeowners and rebuild the American Dream.

Did you know the future of families changes when men choose discipline, integrity, and accountability over excuses?

In this weeks episode of the NOH USA Podcast, four black men come together for an honest and necessary conversation about manhood in the black community rooted in faith, discipline, and responsibility. This is a discussion about what it looks like when men choose to live under God’s authority and refuse to walk through life alone. It is about brotherhood. About standards. About becoming the kind of men who can be trusted with responsibility.

The conversation explores how men grow when they invite accountability instead of avoiding it. How faith becomes real when it governs daily choices. And how strength is formed when men commit to telling each other the truth, standing together, and living with consistency and integrity.

A powerful and uplifting conversation about:

• What it means to live accountable to God in everyday life
• Why men grow stronger in community rather than isolation
• How discipline and faith shape character and direction
• The role of brotherhood in sharpening conviction and integrity
• Why responsibility is the foundation of real leadership
• What it looks like when men choose a higher standard for themselves and each other

If you believe manhood still matters, if you value faith lived out through action, and if you want to see men rise together with purpose and accountability, this episode speaks directly to that calling.

Nation of Homeowners is built on men and families who choose faith, responsibility, and accountability as the foundation for a life of strength and integrity.

-------------------

JOIN OUR MOVEMENT: https://www.nationofhomeowners.com/

APPLY FOR A HOME LOAN: https://bit.ly/NOHApply

SCHEDULE HOMEBUYING CONSULTATION: https://bit.ly/NOHBuyers

SCHEDULE REFINANCE CONSULTATION: https://bit.ly/NOHReFi

GROW WITH US: https://bit.ly/NOHConnect

PRE-ORDER OUR BEST-SELLING BOOK NATION OF HOMEOWNERS https://bit.ly/NOHBook

SUPPORT THE GOUCHE FOUNDATION: https://bit.ly/GoucheFoundation

TEXT US: Text (424) 479-9980 to to get the latest updates in real-time!

-------------------

ABOUT US (NOH USA PODCAST)

Nick J. Gouché is the founder and CEO of Nation of Homeowners Mortgage Group and host of the NOH USA Podcast. He is a nationally recognized mortgage expert, bestselling author, and thought leader committed to restoring hope and trust in the American Dream of homeownership.

With over $1 billion in funded home loans, Nick has helped thousands of families build wealth through ownership. He is also the author of Nation of Homeowners and 10 additional books on wealth, leadership, and financial literacy.

A husband and father, Nick resides in Los Angeles, California, where he continues his mission to empower renters, homeowners, and future generations with the knowledge and strategies to achieve long-term financial freedom through real estate.

The NOH USA Podcast delivers real data, real solutions, and real stories—all with one goal:

Turn 1 million renters into wealthy homeowners and rebuild the American Dream.

Did you know countless families are capable of owning a home right now but never take the first step because they want the dream home and not the first home?

In this episode of the NOH USA Podcast, Nick J. Gouché sits down with the Keffer family to reveal a message meant for the five million Americans who can afford to own a home but continue waiting for a perfect version of life that may never come. Their story is proof that stability, confidence, and progress begin the moment a family chooses to start with what they have and build with intention.

The Keffer journey shows how exposure shapes identity, how discipline reshapes direction, and how the decision to buy what fits your budget can open the path to the future you want. Their experience reminds us that families do not finish based on the circumstances they inherited. They finish based on the choices they make together.

A grounded and inspiring conversation about:

• Why waiting for a dream home keeps families stuck
• How starting where you are creates long term progress
• The role discipline plays in building stability and unity
• Why exposure and intentional leadership shift generations
• How ownership strengthens identity and direction
• The real steps families take when they choose a vision they can grow into

If you have been telling yourself you will start when life is perfect, this episode will show you the truth: families rise when they choose to begin.

-------------------

JOIN OUR MOVEMENT: https://www.nationofhomeowners.com/

APPLY FOR A HOME LOAN: https://bit.ly/NOHApply

SCHEDULE HOMEBUYING CONSULTATION: https://bit.ly/NOHBuyers

SCHEDULE REFINANCE CONSULTATION: https://bit.ly/NOHReFi

GROW WITH US: https://bit.ly/NOHConnect

PRE-ORDER OUR BEST-SELLING BOOK NATION OF HOMEOWNERS https://bit.ly/NOHBook

SUPPORT THE GOUCHE FOUNDATION: https://bit.ly/GoucheFoundation

TEXT US: Text (424) 479-9980 to to get the latest updates in real-time!

-------------------

ABOUT US (NOH USA PODCAST)

Nick J. Gouché is the founder and CEO of Nation of Homeowners Mortgage Group and host of the NOH USA Podcast. He is a nationally recognized mortgage expert, bestselling author, and thought leader committed to restoring hope and trust in the American Dream of homeownership.

With over $1 billion in funded home loans, Nick has helped thousands of families build wealth through ownership. He is also the author of Nation of Homeowners and 10 additional books on wealth, leadership, and financial literacy.

A husband and father, Nick resides in Los Angeles, California, where he continues his mission to empower renters, homeowners, and future generations with the knowledge and strategies to achieve long-term financial freedom through real estate.

The NOH USA Podcast delivers real data, real solutions, and real stories—all with one goal:

Turn 1 million renters into wealthy homeowners and rebuild the American Dream.

Did you know every generation reaches a moment where they must decide whether the American Dream ends with them or continues because of them?

In this episode of the NOH USA Podcast, Nick J. Gouché speaks directly to the crossroads America is standing in today. Families are losing belief. Communities are drifting. The Dream that once united this country is fading because too many people no longer see themselves in it. This message is about restoring confidence, restoring direction, and restoring the purpose that holds a nation together.

Nick lays out why belief is collapsing, how division weakens the future, and why the fight for homeownership is really a fight for stability, pride, identity, and unity. He calls families to step into leadership and reclaim the future with intention, clarity, and structure.

A powerful and future-shaping conversation about:

• Why so many families no longer believe the Dream is meant for them
• How homeownership strengthens identity, stability, and national pride
• Why division is the greatest threat to America’s future
• The responsibility this generation carries to restore belief for the next
• What it means to be a believer in a time when hopelessness is spreading
• How to lead your family with vision, clarity, and purpose
• Why the path to rebuilding a nation begins with rebuilding the home

If you care about your family’s future, if you believe the American Dream still has life in it, and if you want to be part of a movement determined to lift this country from the inside out, this is the episode that will anchor your purpose.

-------------------

JOIN OUR MOVEMENT: https://www.nationofhomeowners.com/

APPLY FOR A HOME LOAN: https://bit.ly/NOHApply

SCHEDULE HOMEBUYING CONSULTATION: https://bit.ly/NOHBuyers

SCHEDULE REFINANCE CONSULTATION: https://bit.ly/NOHReFi

GROW WITH US: https://bit.ly/NOHConnect

PRE-ORDER OUR BEST-SELLING BOOK NATION OF HOMEOWNERS https://bit.ly/NOHBook

SUPPORT THE GOUCHE FOUNDATION: https://bit.ly/GoucheFoundation

TEXT US: Text (424) 479-9980 to to get the latest updates in real-time!

-------------------

ABOUT US (NOH USA PODCAST)

Nick J. Gouché is the founder and CEO of Nation of Homeowners Mortgage Group and host of the NOH USA Podcast. He is a nationally recognized mortgage expert, bestselling author, and thought leader committed to restoring hope and trust in the American Dream of homeownership.

With over $1 billion in funded home loans, Nick has helped thousands of families build wealth through ownership. He is also the author of Nation of Homeowners and 10 additional books on wealth, leadership, and financial literacy.

A husband and father, Nick resides in Los Angeles, California, where he continues his mission to empower renters, homeowners, and future generations with the knowledge and strategies to achieve long-term financial freedom through real estate.

The NOH USA Podcast delivers real data, real solutions, and real stories—all with one goal:

Turn 1 million renters into wealthy homeowners and rebuild the American Dream.

Did you know nearly 40% of American homeowners say they regret the home they bought because they had no guidance on maintenance costs, budgeting, or the true cost of ownership?

That regret comes from one thing. Families were qualified on paper but never prepared in real life. And today almost six million homeowners are behind on their mortgage. That is 15% of borrowers carrying stress they never expected.

This week on the NOH USA Podcast, Nick J. Gouché breaks down the Wealthy Homeowner Formula and explains why the future of homeownership depends on teaching families how to afford a home with confidence instead of fear. This is the blueprint that separates sustainable homeowners from stressed homeowners. It is the same model that NOH is building into the most trusted mortgage company in America.

A deep, honest, and transformational conversation about:

• Why lenders qualify families on maximum purchase price while ignoring real life expenses
• How the Wealthy Homeowner Formula prepares buyers for maintenance, setbacks, job changes, and long term financial health
• Why budgeting after the loan matters just as much as budgeting before it
• How to build a culture inside your home that passes down principles, not pressure
• The hidden cost of success as a parent and leader and how to build a life that protects both your family and your future
• The long game of trust, vision, and building a company prepared to serve one hundred thousand wealthy homeowners

If you care about stability, generational strength, and the kind of knowledge that keeps families in their homes for decades, this episode will change the way you think about ownership, leadership, and the legacy you leave behind.

-------------------

JOIN OUR MOVEMENT: https://www.nationofhomeowners.com/

APPLY FOR A HOME LOAN: https://bit.ly/NOHApply

SCHEDULE HOMEBUYING CONSULTATION: https://bit.ly/NOHBuyers

SCHEDULE REFINANCE CONSULTATION: https://bit.ly/NOHReFi

GROW WITH US: https://bit.ly/NOHConnect

PRE-ORDER OUR BEST-SELLING BOOK NATION OF HOMEOWNERS https://bit.ly/NOHBook

SUPPORT THE GOUCHE FOUNDATION: https://bit.ly/GoucheFoundation

TEXT US: Text (424) 479-9980 to to get the latest updates in real-time!

-------------------

ABOUT US (NOH USA PODCAST)

Nick J. Gouché is the founder and CEO of Nation of Homeowners Mortgage Group and host of the NOH USA Podcast. He is a nationally recognized mortgage expert, bestselling author, and thought leader committed to restoring hope and trust in the American Dream of homeownership.

With over $1 billion in funded home loans, Nick has helped thousands of families build wealth through ownership. He is also the author of Nation of Homeowners and 10 additional books on wealth, leadership, and financial literacy.

A husband and father, Nick resides in Los Angeles, California, where he continues his mission to empower renters, homeowners, and future generations with the knowledge and strategies to achieve long-term financial freedom through real estate.

The NOH USA Podcast delivers real data, real solutions, and real stories—all with one goal:

Turn 1 million renters into wealthy homeowners and rebuild the American Dream.

Did you know a typical family who buys a $420,000 home can build over $250,000 in wealth within ten years?

Most renters never hear that truth. Most never see the math. And because of that, millions continue treating homeownership like an expense instead of the greatest wealth engine available to the American family.

This week on the NOH USA Podcast, Nick J. Gouché breaks down what equity really means, why patience creates millionaires, and how owning a home impacts far more than bank accounts. From family health to community safety to long term national stability, this conversation exposes the hidden value of homeownership that most Americans have never been taught.

A powerful, honest, data-driven breakdown of:

• How a safe and stable home improves a child’s confidence, academic performance, and mental health
• Why homeownership reduces crime and strengthens entire communities
• Why every generation eventually becomes homeowners when they stay prepared
• What keeps families from starting the process and how to break that cycle
• How America intentionally built a nation of homeowners and why the next generation depends on us continuing that work

If you care about your family, your future, and the future of this country, this episode will shift how you see ownership and what is truly at stake for the next generation.

-------------------

JOIN OUR MOVEMENT: https://www.nationofhomeowners.com/

APPLY FOR A HOME LOAN: https://bit.ly/NOHApply

SCHEDULE HOMEBUYING CONSULTATION: https://bit.ly/NOHBuyers

SCHEDULE REFINANCE CONSULTATION: https://bit.ly/NOHReFi

GROW WITH US: https://bit.ly/NOHConnect

PRE-ORDER OUR BEST-SELLING BOOK NATION OF HOMEOWNERS https://bit.ly/NOHBook

SUPPORT THE GOUCHE FOUNDATION: https://bit.ly/GoucheFoundation

TEXT US: Text (424) 479-9980 to to get the latest updates in real-time!

-------------------

ABOUT US (NOH USA PODCAST)

Nick J. Gouché is the founder and CEO of Nation of Homeowners Mortgage Group and host of the NOH USA Podcast. He is a nationally recognized mortgage expert, bestselling author, and thought leader committed to restoring hope and trust in the American Dream of homeownership.

With over $1 billion in funded home loans, Nick has helped thousands of families build wealth through ownership. He is also the author of Nation of Homeowners and 10 additional books on wealth, leadership, and financial literacy.

A husband and father, Nick resides in Los Angeles, California, where he continues his mission to empower renters, homeowners, and future generations with the knowledge and strategies to achieve long-term financial freedom through real estate.

The NOH USA Podcast delivers real data, real solutions, and real stories—all with one goal:

Turn 1 million renters into wealthy homeowners and rebuild the American Dream.

Did you know 61% of American renters believe that no matter how hard they work, they will never be able to afford a home?

That’s 28 MILLION families who have already given up on the American Dream of ownership.

We’re here to change that.

In this week’s episode of the NOH USA Podcast, Nick J. Gouché breaks down the truth behind America’s homeownership crisis, why families feel locked out, what's gone wrong, and what must be done to restore hope in the dream of owning a home.

A bold, honest, and data-driven conversation about:

• Why so many families feel stuck renting
• What’s broken inside today’s housing and lending systems
• How to rebuild trust in the process
• Practical steps you can take right now to go from renter to wealthy homeowner

If you care about family, financial freedom, and the future of America, this is an episode you can’t afford to miss.

-------------------

JOIN OUR MOVEMENT: https://www.nationofhomeowners.com/

APPLY FOR A HOME LOAN: https://bit.ly/NOHApply

SCHEDULE HOMEBUYING CONSULTATION: https://bit.ly/NOHBuyers

SCHEDULE REFINANCE CONSULTATION: https://bit.ly/NOHReFi

GROW WITH US: https://bit.ly/NOHConnect

PRE-ORDER OUR BEST-SELLING BOOK NATION OF HOMEOWNERS https://bit.ly/NOHBook

SUPPORT THE GOUCHE FOUNDATION: https://bit.ly/GoucheFoundation

TEXT US: Text (424) 479-9980 to to get the latest updates in real-time!

-------------------

ABOUT US (NOH USA PODCAST)

Nick J. Gouché is the founder and CEO of Nation of Homeowners Mortgage Group and host of the NOH USA Podcast. He is a nationally recognized mortgage expert, bestselling author, and thought leader committed to restoring hope and trust in the American Dream of homeownership.

With over $1 billion in funded home loans, Nick has helped thousands of families build wealth through ownership. He is also the author of Nation of Homeowners and 10 additional books on wealth, leadership, and financial literacy.

A husband and father, Nick resides in Los Angeles, California, where he continues his mission to empower renters, homeowners, and future generations with the knowledge and strategies to achieve long-term financial freedom through real estate.

The NOH USA Podcast delivers real data, real solutions, and real stories—all with one goal:

Turn 1 million renters into wealthy homeowners and rebuild the American Dream.