Key Factors RealEstateAF

Building Dreams and Legacies: The Mann Mortgage Story

From a one-room office in a former mortuary to a mortgage banking empire, Don Mann, founder of Mann Mortgage, joins us to weave an extraordinary tale of tenacity and vision. Our conversation takes us through the heart of the American Dream—a narrative punctuated by Don's North Dakota roots, a life-altering boating accident, and the sweet success initiated by handing out M&Ms. His is a story that traverses the ebbs and flows of the mortgage industry, unearthing the resilience and adaptability...

Why Aren't Y'all Brokers by Now | Agent vs Broker

Welcome to this enlightening episode of Key Factors Podcast - RealEstateAF , where knowledge meets ambition in the fast-paced realms of real estate and finance. Hosted by Mark Jones, this podcast brings together top industry experts to dissect and discuss the evolving market dynamics, investment opportunities, and critical strategies for success in real estate. Today's episode features a deep dive into the essential roles and strategic decisions that define the success paths of real estate ...

Unlocking the Secrets of Work Ethic and Navigating Real Estate Success with Kendra

Discover the underlying factors that drive our work ethic and dive into the real estate market's unique challenges with me, Mark Jones, and my insightful guest Kendra, a seasoned realtor. Together, we explore whether a predisposition to laziness is wired in our DNA or the product of our environment and choices. Kendra opens up about her own path to success, sharing how she overcame the evolving demands of technology and the industry to achieve her ambitious goals. Our candid conversation wil...

Mastering the Texas Real Estate Market: Strategies for Investment Success with Nicole Ricks and Tom Ochoa

Unlock the door to real estate mastery as I, Mark Jones, bring together industry powerhouses Nacole Ricks and Tom Ochoa to share their wealth of knowledge on the Key Factors Podcast. Our conversation promises to equip you with actionable strategies and insights to navigate the Texas property market. With an emphasis on integrity and creative investment solutions, you'll learn from Nicole's hands-on experience with Align Properties and Tom's innovative approach at New Western, where ethical p...

Accept Total Responsibility - Maximize Your Potential in Real Estate

Embarking on a journey that meanders through the valleys of personal struggle and soars to the pinnacles of professional achievement, Steve Collins joins us with tales of his life's metamorphosis, a narrative as inspiring as it is instructive. From the shackles of ADHD and addiction to the liberating triumphs in real estate and personal coaching, Steve's story is a masterclass in harnessing adversity and transforming it into a driving force for success. His coaching philosophy, steeped in au...

Slang'n Real Estate - Age Doesn't Mean a Thing When You Won't Be Out Worked

When the beaten path doesn't appeal, forging your own way becomes the only option. Philip Becker joins me, Mark Jones, to recount the tale of how he defied the odds and the naysayers to establish Becker Properties, a real estate brokerage that thrives on individuality and defies the traditional office structure. Our walk down memory lane isn't just about nostalgia; it's a journey through the trials and triumphs that have shaped us both as professionals. Our story is for those who see rejecti...

3 Sides to Every Story - Building Trust and Balance

Ever find yourself wondering if the spirit of integrity still has a home in the cutthroat world of real estate? Look no further as we welcome Josue Martin to the Key Factors Podcast, a man whose personal narrative is steeped in a mission to infuse trust and authenticity into property dealings. From the streets of 90s LA where his family faced the darker side of the industry, to the sprawling properties under the Texas heat, Josue's tale is a beacon for those yearning for genuine connections ...

The Path to Real Estate Mastery: Journey to Success and Team Dynamics

Embark on a voyage into the dynamic world of real estate with the exceptional Rami Dietz, as he lays bare the twists and turns of his career, from a young licensee to a powerhouse in the industry. Discover the intricacies of apartment locating, where Rami found his niche, and learn how persistence, building robust relationships, and managing the challenges of income stability can pave the way to success. His candid reflections promise insights into not only the lucrative aspects but also the...

Mastering the Maze of Real Estate Finance: Navigating Mortgage Compliance and Regulation

Embark on a journey with me, Mark Jones, as we uncover the hidden traps of housing finance regulation with the astute John Hudson. Straight from the trenches of mortgage compliance, we dive into the repercussions of navigating this minefield without the proper guidance, as emphasized by the profound cautions of Ken Perry. Our conversation is a beacon for real estate professionals, signalling the importance of transparency and the value of vetted expertise in an industry where missteps can le...

The Ethical Dilemma of Mortgage Trigger Leads and the Need for Consumer Protection

Navigate the murky waters of mortgage trigger leads with us as mortgage expert Benjamin Sutton returns to shed light on how these controversial practices are changing the landscape for consumers and lenders alike. From the aggressive selling of consumer data by credit bureaus to the resulting onslaught of marketing that borrowers face, we tackle the pressing need for transparency and the push for legislative reform. Benjamin offers a decade's worth of industry insights, revealing the erosion...

The Future of Real Estate Commissions, Industry Challenges, and Innovations

Unlock the mysteries of the real estate industry with insights from our expert panel, featuring brokerage owner Jeff Garza, high-volume sales agent Robert Elder, and discount real estate company innovator Chris. As the recent lawsuit settlement sends shockwaves through the sector, we dissect the crumbling of the standard 6% commission rate and the imminent rise of commission negotiation innovation. Veteran real estate attorney Doug Miller joins us, providing a legal lens on the shake-up and ...

Mastering the Rental Game: Insights from a Property Management Pro

Embark on a guided tour of the property management landscape with none other than Janice Lozano, an adept who oversees a staggering 200 properties. Our conversation navigates the intricacies of this bustling industry, from the strategic use of software to the nuanced dance of tenant relations. Janice, opting for the meticulous field of property management over the flash of sales, reveals how her approach is not only changing the narrative but significantly impacting the community, including ...

Real Estate Commissions: Strategies and Insights with Insider John Story

Unlock the hidden truths behind real estate commissions and discover strategies for navigating the industry's evolving landscape with insider John Story. Our riveting discussion sheds light on the recent National Real Estate Association settlement's impact on real estate, empowering both agents and homeowners with knowledge about commission negotiability. We challenge the status quo, scrutinizing the effectiveness of real estate teams and the reliance on lead generation platforms that may no...

Navigating the Mortgage Revolution: Ethics, AI, and Building Success in Real Estate with Ken Perry

Embark on an enlightening adventure with me, Mark Jones, as we welcome the charismatic Ken Perry, president and founder of the Knowledge Coop, to the podcast. From his serendipitous pivot from bartending into the mortgage world to becoming an indispensable trainer and compliance specialist, Ken's story is one of passion meeting purpose. Together, we unravel the intricacies of real estate and mortgage, unpacking ethical dilemmas, the surprising edge ADHD can offer professionals, and the evolu...

Deciphering the Housing Market Maze: Expert Insights on Real Estate Challenges and Opportunities

Prepare to unravel the complexities of the housing market with the unparalleled guidance of real estate broker Austin Pantuso. In a landscape where new builds and pre-owned homes dance a delicate tango of supply and demand, we navigate these nuances to arm you with the essentials for your next real estate venture. With Austin steering the conversation, we venture beyond surface-level statistics, diving deep into the vital indicators that spell out the future for buyers bracing for shortages ...

Inside the Mind of a Real Estate Broker - Catching Up With Austin Pantuso

How do you thrive in the ever-evolving landscape of real estate and mortgage? Discover the answers as Austin Pantuso of United Realty Group of Texas joins me, Mark Jones, in a compelling discussion that promises to reshape your perspective on building a successful brokerage. Austin doesn't just share his own transformative journey—from the wake-up calls of youth to his rise as an associate broker—he also unveils the strategic shifts propelling his company forward. This episode is a treasure ...

Navigating Market Complexities: Expert Insights on Commercial Real Estate Success and Adaptation

Step into the dynamic world of commercial real estate with our latest Key Factors Podcast episode, featuring the insights of Andy Hilger and JJ Garina. Navigate the twists and turns of the market as we explore how local economic conditions, the Texas Triangle's growth, and the transformative power of relationships drive success in this complex industry. Discover how today's commercial real estate landscape is adapting to the post-COVID era, where reimagining office spaces and embracing adapt...

Real Estate Misinformation on Social Media - Lender Discussion

Have you ever wondered if a career switch could lead you to unexpected success? This episode features riveting accounts from Ben Sutton and Lindsey Shelton, who found their callings within the mortgage realm after leaving their previous jobs. Their stories, rich with adaptability and perseverance, remind us that it's never too late to find your niche in a fluctuating market. We also peel back the curtain on the often-misunderstood world of real estate advertising. The conversation gets real ...

DPA Explained - Down Payment Assistance and Building Generational Wealth

Ever wondered how you could bridge the wealth gap through homeownership without the mythical 20% down payment? This Key Factors Podcast episode, featuring mortgage mavens Yvonne 'YG' Godina and John Hudson, promises to revolutionize your understanding of down payment assistance (DPA) programs and equip you with the knowledge to navigate the home buying journey with confidence. YG and John, with their combined 53 years in the mortgage industry, share heartfelt narratives and expert insights, ...

Respect Your Elders: Real Estate Wisdom Across Generations | KFP EP.72

Join us on a heartfelt exploration as we navigate the intertwined professional paths of Robert and Austin Elder, a dynamic father-son duo in the real estate and mortgage lending arena. Our conversation spans the early days of Robert's introduction to real estate through his mother's open houses to Austin's service industry revelations and their collective hustle to rise above the industry's competitive fray. Delving into personal accounts, we uncover the essence of relational selling, the gr...

Is Home Affordability an Issue in 2024? An Insider's Journey with Industry Experts

Embark on an engrossing journey through the ebb and flow of the housing market with industry virtuosos Marcus Laughy and Andy Hilger of LHG Realty. As your host, Mark Jones, I bring you an episode brimming with insider knowledge, dissecting the intricacies of real estate and the builder industry. We tackle the rollercoaster of market fluctuations, delve into the strategies that keep builders and realtors on top, and shine a light on why the relationships you cultivate in this business could ...

Charting the Course: Navigating Rates & Programs in 2024

Embark on a journey through the tumultuous waves of the mortgage industry with Man Mortgage's finest from our Clearwater, Florida event. The dynamic duo of Caleb Wilson and our CFO Christian navigate us through the pre and post-COVID tide, with Christian offering his foresight on the potential shifts in interest rates. But the knowledge doesn't stop there; Chris Laughlin, the wizard behind the curtain in Capital Markets, demystifies rate sheets and loans like a seasoned maestro, while mortga...

Can You Be the Best & The Cheapest? Trends & Strategies for 2024

Imagine basking in the Florida sunshine, surrounded by the buzz of achievement and innovation—welcome to the 2024 Champions Club event with man Mortgage. Our latest episode is packed with the electric atmosphere of the first two days, where we not only celebrate milestones with peers but soak in the Senior Exec board's wisdom that shapes our remarkable culture. Dive into discussions about the pivotal role of consistency in steering our teams towards success, and how our unique approach to op...

20 Reasons People Fail at Business Planning - A Simple Business Plan

Ever felt like your business plan is just a decorative piece on your shelf? Join me, Mark Jones, for a riveting conversation with Dylan Shively and AJ Regatas, as we unravel the true impact of business planning in the aftermath of the 2024 real estate market crash. From Dylan's leap from car sales to credit management to AJ's decade-plus expertise in real estate, we dissect the pivotal moments that transformed their business trajectories and how setting goals can be the compass that guides y...

Real Estate Crash of 2024 - How to Navigate the Noise

Prepare to navigate the unpredictable tides of the real estate market with our latest episode that features the collective wisdom of industry titans Allen Corona and Michael Schultz. Together, we dissect the looming question of a 2024 market crash by weaving personal tales of adversity, triumph, and the clout of strategic networking. From the lenses of YouTube influence to top-tier luxury agency achievements, their stories are a beacon for both the budding realtor and the seasoned investor. ...

Memes & Money Moves - Inside the Minds of Mortgage Jokesters

In this episode Mark Jones, discusses the continued need for humor in the mortgage and real estate industry with his 2 guests.  Matt Mazzacco - Loan Officer from EZ Loans Matt has been originating loans for the last 12 years and he shares his tips and tricks regarding the use of humor on social media, presentations with customers, and he also shares his experience of being in the capital building on January 6th from his perspective.  Eric Delgado - Loan Officer from Guardian Mortgage  Eric...

Perfection is a Lie in Real Estate - Stephanie Stone with EXP

Welcome to another informative episode of the Key Factors Podcast, hosted by Mark Jones and sponsored by reviewmymortgage.com. In this episode, we delve into the dynamic world of real estate, exploring the challenges and opportunities in the current market. We're joined by two exceptional guests, Nicole Aquero, a dedicated loan officer, with iThink Mortgage Licensed in Texas and Florida. and Stephanie Stone, a successful real estate agent and coach with EXP Realty. Nicole shares her journey...

Lender Life - 50 Shades of Mortgage

Become Recession Proof Using Real Estate

About This Episode: In this Discussion, I'm joined by Rich Valadez, Realtor & Investor with Rich Realty Group, JB Goodwin Realtors in San Antonio, TX. Rich shares his journey through building multiple streams of income, all prior to becoming a realtor.  We also discuss valuable tips for new or seasoned real estate professionals that you can use in your business immediately.  About Rich Valadez He is a dedicated REALTOR® based in San Antonio, Texas, with over 20 years of experience in the a...

Now is the Best Time to Buy a Home! My 1st Street Interviews

Navigating the Housing Market: Is Now the Right Time to Buy a Home? In today's ever-evolving real estate market, potential homebuyers are facing a common dilemma: is now the right time to purchase a home, especially with interest rates higher than what many are accustomed to? While it's true that higher interest rates can be daunting, there are several compelling reasons why purchasing a home in the current market could still be a wise decision. 1. Building Equity Over Time: One of the mos...

Realtors Under Attack - The Market Shift

🔑 Welcome to a new episode of the Key Factors Podcast! In this insightful episode, we delve into the critical issues impacting realtors and lenders in today's challenging real estate market. Join us as we discuss the New & Largest Class action suit brought forth by the buyers of previous transactions claiming they overpaid for homes and commissions. This will surly change the way we do business as we know it.  🏠 Featuring Esteemed Guests: J.J. Gorena is a notable real estate professional ...

Change is Coming - Evolve & Adapt or Be Left Behind

🔑 Welcome to a new episode of the Key Factors Podcast! In this insightful episode, we delve into the critical issues impacting realtors and lenders in today's challenging real estate market. Join us as we discuss the NAR ruling on Buyer Agency and Representation and explore the hurdles faced by industry professionals amid high rates and low inventory. 🏠 Featuring Esteemed Guests: Jeff Garza, Owner and Broker of Redbird Realty in San Antonio, TX, and the awarded Best Broker of San Antonio ...

Defending the Realty Realm: Unpacking the NAR Ruling with Industry Experts

In this enlightening episode, host Mark Jones, delves deep into the recent NAR Ruling on Buyer Agency Verdict in Missouri Kansas, which has sent ripples throughout the real estate industry. Joining the discussion are three industry veterans who bring their unique perspectives to the table. Guests: Nacole Ricks, a seasoned Residential Listing Specialist and Investment Property Expert, who advocates for homeownership and industry stability at NAR. Nacole highlights the indispensable role of t...

Beyond the Sales Price Chat with a Real Estate Appraiser

🏠 "Beyond the Sales Price: In-depth Chat with a Real Estate Appraiser" Join us in this enlightening episode as we dive deep into the intricate world of property valuation! Chad Melin, Executive Sales Leader at Mann Mortgage LLC, sits down with Robert Oglesby, the Vice President of Class Valuation and a seasoned appraiser himself, to unveil the nuances and insights behind real estate appraisal. 🔍 Episode Highlights: The journey of both guests into the realm of real estate and valuation. Ke...

CFPB Fines Freedom Mortgage for Kickbacks - RESPA VIOLATION

In this episode of the Key Factors podcast, we discuss the recent CFPB fine against Freedom Mortgage for violating RESPA with kickbacks and pay for referrals. The CFPB found that Freedom Mortgage provided things of value, including subscription services, events, and monthly marketing service agreement payments, to real estate agents and brokers in exchange for referrals of mortgage loans. This is a serious violation of RESPA, which prohibits kickbacks and other forms of compensation in con...

Taking a Leap of Faith in Real Estate - Rookie of the Year to Top Producer

#TexasRealEstate #MortgageEducation #ReviewMyMortgage In this episode of the Key Factors Podcast, host Mark Jones, founder of ReviewMyMortgage.com, speaks with guests Jose Buentello, a realtor, and Yvonne Godina, a senior loan officer. They delve into the challenges and rewards of pursuing a career in real estate, with a focus on the importance of taking leaps of faith. Born in Mexico and raised in Texas, Jose shares his journey from working in the federal government to becoming a successf...

Fiesta King & Everything In between | How to Conquer Today's Tough Market

#SanAntonioRealEstate #MortgageRates #Realtors  In this episode of the "Key Factors Podcast," hosted by Mark Jones and sponsored by reviewmymortgage.com, the show has reached over 10,000 users in its first month. This success is attributed to the desire of home buyers for educational content. The guest of the episode is Lucio "Bo" Vasquez, a well-known realtor in the San Antonio community. Bo has a background in teaching, which transitioned into a career in real estate following a suggestio...

Solutions To Affordable Housing - Shaking the Stigma of Manufactured Homes

#ManufacturedHousing #AffordableHousing #RealEstate  In this episode of Key Factors Podcast, Mark Jones, the host and founder of reviewmymortgage.com, celebrates the platform's success in surpassing 10,000 users within the first 30 days of operation. This achievement attests to the growing consumer interest in understanding potential mortgage options before engaging with lenders. Mark then introduces the guest of the day, Peter, an enthusiastic professional from the manufactured housing se...

Good Credit Still Wins Every Time - New Rules on How Credit Score Affects Your Mortgage

#CreditScore #HomeBuying #Government #YouShouldKnow In a landscape where credit scores govern our financial lives, understanding how they work is crucial, especially when it comes to home buying. In this power-packed episode of the Key Factors Podcast, we dive deep into the world of credit scores, their new rules, and what they mean for you as a home buyer. Host Mark Jones, President of iTHINK Mortgage and co-founder of ReviewMyMortgage.com, engages in a vibrant discussion with esteemed gu...

Grow Through What You Go Through: Building a Legacy with Real Estate ft. Danielle Voigt Kruciak

In this empowering episode of the Key Factors Podcast, we welcome Danielle Voigt Kruciak, Team Lead and Founder of The Mission Haus Group, to discuss her inspirational journey in the real estate industry. With over 15 years of experience, Danielle is no stranger to the ins and outs of real estate, and her commitment to making a positive impact is evident in her work. Join us as Danielle takes us on a captivating odyssey, starting from her humble beginnings in Oklahoma, to her triumphant mov...

Renting Is the Killer of Wealth - Real Estate Crisis in Texas - Key Factors

#TexasRealEstate #BuildWealth  #AffordableHousing  Welcome to the Key Factors Podcast, hosted by Mark Jones. In this episode, Mark brings on guests Charley and Alisa Wasson from the Laughy Hilger Real Estate Group to discuss the advantages of becoming a homeowner in Texas. Charley, who started his career as a radio DJ, has since become a highly successful real estate agent and shares his insights with us today. The discussion starts off by emphasizing how owning a home is a powerful wealth...

Is Elon Going to Buy a Whole Town? Let's Talk Taxes, Texas, and Intentions

 #ElonMusk #Texas #California #TaxBurden Elon Musk has reportedly purchased thousands of acres of land in Texas to build his own town for employees to live and work. The proposed town, adjacent to Boring and SpaceX facilities, is said to include rental homes below the local market value and a Montessori school. Texas law requires at least 201 residents before incorporating an area, and plans call for the construction of 110 more homes. Musk's move to Texas comes as he criticized California ...

Myth or Fact? Which Housing Markets Are Impacted by Over Supply

#realestate #housingmarket #homesales #inventorylevels #mortgagerates #oversupply #SanFrancisco #Phoenix #multifamilyunits #GoldmanSachs Yahoo Finance reporter Dani Romero discusses the state of the U.S. housing market, focusing on which markets are most impacted by oversupply. Four of the largest 25 metro areas, including Austin, Seattle, San Francisco, and Phoenix, are dealing with oversupply. On the West Coast, San Francisco has seen home values drastically decline due to a pandemic-indu...

The State of the Real Estate Market - Foreclosures Down Rates Up

The U.S. foreclosure market is showing signs of stabilizing, with foreclosure activity declining by 3% in February 2023, according to a report by ATTOM. However, foreclosure activity was still up 18% from a year ago. Despite the decline, the report warns that the numbers don't yet show a clear trend toward fewer foreclosures. The report also revealed that lenders repossessed 3,831 U.S. properties through completed foreclosures in February, which is up 45% from last year. New York, Georgia, a...

2023 Credit Card & Federal Debt Stats Every American Needs to Know

#RealEstate #MarketUpdate #creditcarddebt We will discuss the following topics - 2023 National Debt https://www.usgovernmentspending.com/... The US Treasury's gross federal debt includes debt held by the public and by federal government accounts. The federal debt was $30.93 trillion at the end of FY 2022 and is estimated to be $32.59 trillion by the end of FY 2023. As of March 2, 2023, the federal debt is $31.46 trillion. Check the Coronavirus Update page for updates. - 2023 Credit Car...

Appraisals Appraisals Appraisals - Lets's Dig In

Mark Jones Founder of https://reviewmymortgage.com/ President | iTHINK Mortgage  Top Producing Sr. Loan Officer NMLS# 513437 Get in Touch with Mark. https://ithinkmortgage.com Featured Guest Co-Host : Matt Stansbury  VP of Growth | Sr. Loan Officer  iTHIINK MORTGAGE NMLS# 1534206 Yvonne Godina aka YG Sr. Loan Officer NMLS# 312632 Mann Mortgage LLC, DBA iTHINK Mortgage 15900 La Cantera Pkwy #2630  San Antonio TX 78256 Key Factors Podcast is Powered by ReviewMyMortgage.com Host: Mark Jone...

Rates, Why Low Credit in the South, Appraisal Overages in South Texas - 1st of the Month Update

Mark Jones Founder of https://reviewmymortgage.com/ President | iTHINK Mortgage  Top Producing Sr. Loan Officer NMLS# 513437 Get in Touch with Mark. https://ithinkmortgage.com Featured Guest Co-Host : Matt Stansbury  VP of Growth | Sr. Loan Officer  iTHIINK MORTGAGE NMLS# 1534206 Yvonne Godina aka YG Sr. Loan Officer NMLS# 312632 Mann Mortgage LLC, DBA iTHINK Mortgage 15900 La Cantera Pkwy #2630  San Antonio TX 78256 Key Factors Podcast is Powered by ReviewMyMortgage.com Host: Mark Jone...

When Passion Leads to Progress - All The Chatter with RuebenRealtor

#RealEstate #SanAntonio #SocialMedia  When Passion Leads to Progress  Key Factors is a podcast show that explores the journeys of successful professionals in the real estate industry and how their passions led to progress in their lives and careers. Hosted by Mark Jones, President of iTHINK Mortgage, this show features conversations with industry experts, like Rueben Hernandez-Valdez, as they share their insights on real estate, social media marketing, maintaining balance, and more. In ea...

This Crazy Market - Adapt & Overcome with Katie Hasson

#RealEstatePodcast #TopProducers #Coaching  In this episode, I bring my personal business coach on to discuss habits of top producers, what others are doing to adapt to this crazy market, and how to overcome what we are all in the industry going through.  Plenty of needle moving activities, best practices, and much more to pick up in this discussion.  Guest :  Katie Hasson  Southwestern Coaching  Elite Level Coach  Get in Touch with Katie - https://southwesternconsulting.com/coaches/kati...

FORECLOSURES - How to Avoid Them - What You Should Know

#AvoidForeclosure #HomeOwnership #homevalues  Let's Discuss the ways to Avoid Foreclosure VS. trying to spread fear about a fake real estate crash thats supposed to take place this year... FORECLOSURE Guest: Tony Martinez | Realtor | Remax North  Host:  Mark Jones - NMLS 513437 | Founder of ReviewMyMortgage.com | President iTHINK MORTGAGE  Sr. Loan Officer  - The right way to educate & the wrong way to educate about it.      - Spreads Fear and Lowers CCI. (Consumer Confidence Index)     ...