Afleveringen
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What if you could buy a home while paying rent? Real Estate Talk Podcast hosts Joshua Britt and Robert Keilman sit down with Frank Rohde, the CEO and co-founder of Ownify. Ownify is a re-imagined path towards homeownership. As rising home prices, increasing mortgage rates, high down payments, student loan debt, and record credit card debt balances make buying a home more out of reach for the typical American; Ownify offers an alternative solution.
Geared towards first time home buyers, instead of applying for a traditional mortgage through a bank or mortgage company; Ownify will partner with the home buyer to purchase a home; the new home buyer will pay rent and a portion of that rent will go towards purchasing the home one brick at a time.
The homebuyer will require a 2% down payment, either from their personal funds or as gift funds from friends or family members; and Ownify will cover closing costs, earnest money deposit, inspections and repairs. Next, the homebuyer will need to get pre=qualified within minutes with Ownify through their website at www.ownify.com.
The homebuyer can work with a real estate agent of their choosing, or Ownify can recommend an agent within their area.
Once the home buyer moves into their new home; they will already have a 2% equity stake in the home. As they pay rent, a portion of their rent goes towards buying more "bricks" or shares of equity stake in the property. For a further breakdown on how Ownify works watch their video on YouTube: https://youtu.be/pzLGlGzQs2c.
According to Rohde, Ownify is a venture-funded fractional homeownership platform that leverages socially conscious capital to solve home affordability for first time home buyers while achieving strong returns for investors. Prior to becoming the CEO of Ownify, Rohde spent 15 years as the CEO of Nomis Solutions, the leading mortgage and loan pricing engine globally. Running Nomis, Rohde worked with 100+ banks and lenders on mortgage loan, and deposit pricing.
During that time, Rohde saw the challenge for the first-time home buyer in the data of his company's clients and decided to do something about it. So, he sold Nomis and started Ownify.
Rohde is a 3x fintech founder / entrepreneur with experience in data science / machine learning / real estate / pricing. He started his career at Oliver Wyman and FICO after graduating with a bachelor of science in finance fand real estate from Wharton Business School.
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In this installment of the Real Estate Talk Podcast, Joshua Britt and Robert Keilman sit down with Edward Asher, the Corporate Treasurer of Better.Com. Edward talks about how trends effecting the mortgage industry, particularly high interest rates, housing affordability, and the inventory of homes currently on the market.
(NOTE) This podcast was recorded in September, so some references related to the Federal Reserve's intent to lower interest rates in September has long expired. We are getting caught up on episodes so there is a delay.
Also in the podcast, Edward talks about how Better.com uses technology to streamline the mortgage process; including their 1 Day Mortgage product for example. It's a mortgage lender that's "self-service" with average closing time around 3 weeks.
Edward also talks about his beginnings; hailing from Mexico and his journey into the mortgage industry, and shares his experience for up and coming professionals in finance. It's an episode you don't want to miss!
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Visit www.better.com to learn more about their mortgage service and products. Buy or Sell a Home with Joshua Britt or Robert Keilman by visiting www.homesforsalevabeach.com
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Zijn er afleveringen die ontbreken?
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Join Robert Keilman and Joshua Britt on the latest episode of the Real Estate Talk Podcast, where they sit down with renowned real estate developer and author, Jose Berlanga. Dive deep into the world of real estate investment and development as Jose shares his journey, from his entry into the industry to becoming a seasoned developer focusing on new construction and land development.
Learn from Jose's Experiences: Discover the pivotal moments that shaped his career and how he navigated the challenging waters of real estate.
Common Pitfalls: Jose discusses frequent mistakes he encountered and witnessed in the field, providing invaluable lessons for new and seasoned investors alike.
Worst Deals: Gain insights from his worst real estate deals, understanding what went wrong and how to avoid similar pitfalls.
Advice for Aspiring Investors: Get actionable advice directly from Jose, tailored for those looking to break into or scale up in real estate development. Don't miss out on this treasure trove of knowledge! Watch now to enhance your real estate investment strategy, avoid common mistakes, and learn from one of the best in the business.
Watch this episode on YouTube: https://youtu.be/yqO1tHIT-Vs
Business of Home Building by Jose Berlanga: https://a.co/d/cRXNlbm
Buy or Sell a Home with Robert or Josh! homesforsalevabeach.com
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Dive into the future of property management with the Real Estate Talk Podcast, where hosts Robert Keilman and Joshua Britt sit down with Ryan Barone, CEO and co-founder of RentRedi. Discover how this landlord-tenant software and innovative mobile app, recognized by Inc Magazine as one of the fastest-growing companies in the Northwest, is transforming the rental landscape. Learn how RentRedi helps landlords streamline tenant screening, post listings across major listing platforms like Zillow and Realtor.com, manage maintenance requests, and handle rent payments, all while cutting property management costs from around 10% of rent or more to a mere $12 per month. Tune in to understand why RentRedi might be the game-changer for your real estate portfolio needs.
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In this episode we site down and interview Alex Blackwood, the CEO and Co-Founder of Mogul Club. Mogul offers investments opportunities to people of various income levels to become real estate investors by purchasing "shares" of real estate rental properties. Fractional Real Estate investing could very well become the future of real estate investing!
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Join us for another episode as we interview Mr. Kyle Kamrooz, he is the CEO and Co-Founder of Bonus Homes at bonushomes.com. Bonus allows you to cash out all the equity in your home without selling it. Bonus allows you to not only cash out the equity in your home, but also keep the home as an investment so that you gain a percentage of the appreciation when it sells in the future.
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Real Estate Commissions for Buyer's Agents are now the responsibility of the home buyers. For many years, the standard has been that the listing agent would charge a percentage of the purchase price from the seller and split the commissions as a co-broker with the Buyer's agent. Now, post class action lawsuit settlements with the National Association of Realtors, several real estate firms and Multiple Listing Services nationwide; any commission that could potentially be offered by a home seller will no longer be advertised in the MLS. For years, the commission amounts offered by home sellers would be documented in the MLS. There was speculation that real estate agents were conducting alleged "steering" practices by refusing or "talking" homebuyers out of certain listings because of the commission amount. In this episode of the podcast, we provide commentary on what this will mean for homebuyers, home sellers, and real estate agents in the future. Will it mean that the buyer's agent will no longer be relevant? Will agent services change in the future? Will commissions be lower in the future?
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n this episode of Real Estate Talk Podcast we welcome Christopher Graff, the Principal and Consultant at The Medical Management Consulting Group in Virginia Beach, VA. Chris is a Certified Public Accountant and Attorney with over 30 years of experience with small service businesses. During the interview we delve into some common questions for new and seasoned business owners such as: - business lifecycles and how to know if a business is growing, maturing, or declining. - Tax liabilities and how to minimize them - Retirement and tax planning - Common mistakes with small businesses - Tax deductions for small businesses - How to handle and IRS Audit - Tax benefits on charitable donations - LLC vs S-Corps - How presidential election will affect small businesses For any small business starting out, Graff points out one of the best things to do is to organized and keep financial records as clean as possible such as no co-mingling of business and personal expenses and to keep accurate records of all transactions - money going in and out of the business. This information is fantastic for all small businesses, whether they are involved in the real estate profession or not.
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In this episode of Real Estate Talk Podcast, we delve into the dynamic landscape of the U.S. real estate market. Join us as we explore the following key topics: National Economic Factors: We analyze how economic indicators impact housing trends, interest rates, and affordability. Major Metro Areas Due for Price Drops: Discover which cities are facing potential price corrections and why. Migration Trends: Explore the top 10 cities people are leaving and the top 10 cities they’re moving to. What drives these shifts, and how does it affect local markets? Virginia Housing Market Overview: Get insights into Virginia’s real estate scene, including median prices, supply, and demand. Buffett and Burry’s Moves: We discuss Warren Buffett and Michael Burry’s recent trades and divestments and their potential implications for the real estate market. Mid-2024 Predictions: Our experts share their forecasts for the housing market in the second half of 2024. Join us as we navigate the complexities of real estate, uncover trends, and provide actionable insights for buyers, sellers, and investors. Don’t miss out—subscribe now!
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n this informative podcast, real estate experts Joshua Britt and Robert Keilman delve into the world of real estate scams. Whether you’re a buyer, seller, or renter, it’s crucial to be aware of these fraudulent schemes that can impact your financial well-being. The hosts discuss five prevalent scams: Rental Scams: Learn how to recognize fake rental advertisements and avoid losing money due to deceptive listings. Home Sale Scams: Discover red flags when buying or selling a property, including vague listings and pushy sellers. Wire Fraud: Understand the dangers of wire transfer fraud and how to protect yourself. Seminar Scams: Uncover the tactics used by scammers in real estate seminars and workshops. Foreclosure Relief Scams: Get insights into avoiding fraudulent offers related to foreclosure assistance. Stay informed, safeguard your finances, and gain peace of mind by tuning in to this podcast. Joshua and Robert share practical advice on identifying these scams and taking preventive measures. Don’t fall victim—knowledge is your best defense! 🏠💡
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In this episode, we dive into the recent developments surrounding Berkshire Hathaway Home Services. The company made headlines with a massive $250 million settlement in the Sitzer Burnett class action lawsuit. But the story doesn’t end there—Berkshire Hathaway is now facing yet another class action lawsuit related to commissions. Join us as we break down the legal battles, implications, and what it all means for homebuyers, sellers, and the real estate industry. Stay informed and subscribe for more updates!
🔗 Read more on Reuters: Berkshire Brokerage HomeServices Hit with New Lawsuit Over Commissions 🔗 Read more on James Lutz v Home Services of America INC, BHH Affiliates, LLC, HSF Affiliates, LLC https://fingfx.thomsonreuters.com/gfx/legaldocs/byvrkgoyepe/Lutz%20v%20HomeServices%20-%20SD%20FL%20-%2020240429.pdf
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Join us for this captivating episode of the Real Estate Talk Podcast where we dive deep into a discussion about the recent data surrounding the Personal Consumption Expenditures that rose to 2.7% in March from 2.5% in February. This indicates a strong economy where consumers are continuing to spend money. However, it should be noted that personal savings is down. This is likely due to rising inflation across the board where every day items are causing every day Americans to suffer and ultimately live pay check to pay check. The high PCE is a strong indicator that mortgage interest rates are likely to increase or remain unchanged throughout the summer. This is looking more contrary to the Federal Reserve's earlier prediction of seeing up to three interest rate decreases in 2024. Also in the news United Wholesale Mortgage (UHM) is accused of running an alleged "shell scheme" with UMortgage. The mortgage giant is accused of having its executives create an "independent" company that has sent UHM an estimated $1.9 billion in loans This follows a recent tirade by UHM and Phoenix Suns owner Mat Ishbia where he was caught leaving a scathing voicemail to a colleague and leaving alleged homophobic remarks. Finally, we speak about President Joe Biden's proposal to increase the capital gains rate to 44.6%. If passed, this bill could send shockwaves across the real estate investment industry, which could possibly worsen the 7 million home shortage in the United States. Real Estate Talk Podcast is sponsored by Closer Coffee Company. Premium coffee roasted to perfection. Coffee for closers by closers. Fuel your hustle at www.closercoffeeco.com.
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Dive into a discussion about real estate as we deliver the latest real estate news and headlines related to the housing market. Home seller sentiment is lukewarm heading into the spring buying market as rising interest rates continue to pummel home buyer affordability. Many homeowners have been patiently waiting for interest rates to go down so that they can sell their current home in order to upgrade or downsize into a new one. Despite the Federal Reserve Chair Jerome Powell hinting at three possible interest rate cuts in 2024, many eager home buyers and sellers are unsure when or if the cuts will come. With inflation data suggesting that the Federal Reserve's target of 2% has not been met; there could be a longer period of time before we see interest rates go down to a more affordable level for homebuyers. Despite high interest rates on mortgages, inventory of homes remain disturbingly low. This has cause home values to inflate to a level that puts affordability out of reach for most home buyers. Also in the news, states like Florida and California continue to see problems with home insurance coverage. As many home insurance companies abandon providing coverage in these states, it is causing higher insurance premiums. Couple high insurance premiums, or lack there of, with rising mortgage rates, is providing a panacea of unaffordability. Perhaps a recession is looming, or a major market correction? But it's difficult with low inventory that keeps home prices high. In the long-term, there are a number of commercial real estate properties facing foreclosure and could be redeveloped into residential dwellings. But with builder confidence low, that remains to be seen.
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Join us on a revealing journey into the heart of the mortgage lending industry in our podcast episode titled Biden to Axe mortgage discount points; Matt Ishbia is FIRED UP! This episode brings to light the pressing issues and challenges that shape today’s mortgage landscape, focusing on the vital roles that mortgage brokers and lenders play in safeguarding consumer interests and fostering a competitive market. President Biden now wants to rid the mortgage industry of discount points which is the very thing he helped regulate as Vice President from 2008-2016. In light of recent investigations into United Wholesale Mortgage (UWM) and its dominant practices, we dissect how these actions potentially undermine the independence of mortgage brokers and the broader implications for borrowers seeking fair lending terms. We'll delve deep into the intricacies of the broker-lender dynamic, examining the transparency and honesty required to maintain trust in these financial relationships. Our discussion will cover a range of critical topics, including: - The Importance of Transparency: How open should brokers be about their relationships and incentives with lenders? How does transparency affect consumer trust and decision-making? - The Consequences of Monopolistic Practices: Explore the broader economic impacts when major lenders like UWM allegedly stifle competition and funnel business through coercive practices. - Legal and Regulatory Frameworks: Unpack the potential legal ramifications for lenders and brokers who may engage in deceptive practices and the role of regulations like the Dodd-Frank Act in maintaining market integrity. - Protecting the Consumer: What mechanisms are in place to safeguard borrowers from predatory practices? How effective are these measures? - Ethical Mortgage Lending: Debate the ethical obligations of mortgage brokers to prioritize their clients' best interests over their own financial gains. - Innovative Disruptions: Look at how technological advancements and innovative financial models could revolutionize the mortgage process, potentially benefiting consumers. - Consumer Strategies: Offer practical advice for potential homebuyers on navigating the complex mortgage landscape to secure the best possible deals. - The Competitive Edge: Discuss how genuine competition among lenders and brokers can lead to more favorable terms for consumers and a healthier marketplace. This episode is not just a discussion; it’s a call to action for industry transparency, ethical practices, and consumer empowerment. Whether you’re a first-time homebuyer, a seasoned investor, or a professional in the finance sector, this comprehensive exploration will equip you with the knowledge and insights needed to understand and navigate the ever-evolving world of mortgage lending. Tune in to gain a clearer perspective on how mortgage lending practices impact not just individual borrowers but the economy as a whole. This conversation is essential for anyone looking to make informed decisions in the housing market or anyone vested in the future of consumer financial protection. Join us as we uncover the truth and push for a system that truly has the consumer’s best interest at heart.
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Dive into the heart of the housing market with our latest podcast episode. Discover insights on the future of housing as we breakdown President Biden's recent proposals, from eliminating title insurance fees to addressing the critical need for increased housing supply. This episode doesn't just skim the surface; we dig deep into contentious topics like real estate commission negotiations, the battle against discrimination in home valuations, and the transformative potential of the Neighborhood Homes Investment Act of 2024. Join us as we discuss the counterarguments to Biden's housing strategies, including the inherent risks of removing title insurance and the complex dynamics of lowering real estate commissions. We dissect the nuanced implications of combating discrimination in home appraisals and the multifaceted approach needed to genuinely tackle high rents and unfair practices. We weigh in on the ambitious plans to increase the housing supply and the practical challenges of making affordable housing a reality.
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Welcome to the latest real estate market update brought to you by the Real Estate Talk Podcast. In this episode, we dive in and discuss realtors' reactions on social media after the National Association of Realtors agreed to settle a multimillion dollar lawsuit. Most major real estate brokerages from across the United States have agreed to settle; Home Services of America or Berkshire Hathaway stands as the last brokerage to battle the Sitzer Burnett Lawsuit. Also, Fannie Mae changes course and says that interest rates will not go below 6% anytime soon. New Construction starts surge while multifamily new construction lags.
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In an exhilarating episode of "Battle of the Loans," we dive deep into the age-old debate of whether retail lenders or mortgage brokers are the better choice for consumers embarking on the journey of homeownership. This isn't just another discussion; it's a showdown between two seasoned loan officers—one from the realm of mortgage brokers and the other a loan originator from a retail lending institution. Listen as they compete, not just with facts and figures, but with stories and experiences that aim to capture the hearts and minds of our audience. We navigate through the intricacies of mortgage financing, uncovering the advantages and challenges presented by both sides. This episode promises to be an emotional rollercoaster, filled with the passion our guests have for their profession, the empathy they hold for homebuyers, and the competitive spirit that drives them to claim superiority in the mortgage industry. This episode of "Battle of the Loans" is designed not just to inform but to stir the emotions and provoke thought, encouraging listeners to delve deeper into the personal and financial considerations of choosing between a mortgage broker and a retail lender. Join us as we pose thought-provoking questions, designed to spark emotion and unveil the truth behind what makes each option unique and potentially perfect for different types of consumers. Whether you're a first-time homebuyer, looking to refinance, or simply curious about the mortgage process, "Battle of the Loans" is an episode you cannot miss.
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As we approach the end of Quarter 1 of 2024, we take a look at current market trends surround the housing market. Federal Chairman Jerome Powell recently addressed congress March 7 indicating that there will be no change to high interest rates now until the economy reaches its inflationary target of 2%. However, Powell believes cuts are likely to happen at some point this year. Regardless of interest rates, there continues to be an over 7 million home shortage across the United States, which is causing housing prices to surge. Housing prices are directly effected by supply and demand. Great demand with lack of supply correlates to increased home prices. In addition, Arizona Regional MLS (ARMLS) and Metro MLS filed a motion to dismiss Zillow's antitrust lawsuit against them. Zillow alleges that the named MLS' were violating antitrust law by restricting access to Zillow's home showing management platform ShowingTime. Also up, the National Association of Realtors no longer have insurance money to cover regional Realtors associations in the event they suffer lawsuits related to the Sitzer/Burnett vs NAR lawsuit
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Join us in this groundbreaking episode of Real Estate Talk Podcast, where we delve deep into the seismic shifts shaking the foundations of the real estate industry. From the landmark Sitzer/Burnett lawsuit to the intense scrutiny on the National Association of Realtors (NAR), we're unpacking the intricacies and impacts of buyers now paying their own commissions. Veterans, are you aware of how the VA home loan benefits guidelines, Chapter 8, pages 8-10, affect you? We're breaking it down. Plus, we're exploring the future of referral programs from giants like Zillow flex partners, Rocket Mortgage, Veterans United, and Navy Federal. With the Department of Justice pushing for decoupled real estate commissions, how will mortgage lenders and the industry at large adapt? Don't miss our expert insights and analysis on these critical developments that are reshaping real estate as we know it.Tags: Real Estate, Sitzer Burnett Lawsuit, National Association of Realtors, Buyer Commissions, VA Home Loans, Real Estate Commission, DOJ Real Estate, Mortgage Lenders, Real Estate Referrals, Zillow, Rocket Mortgage, Veterans United, Navy Federal, Real Estate Podcast, Real Estate Trends 2024, Home Buying Tips, Selling Your Home, Real Estate Laws
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