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Mortgage companies are recruiting Realtors to obtain MLO licenses and earn mortgage-side compensation. Is this smart vertical integration—or could it create a RESPA problem?

In this episode of RealEstateAF, Mark Jones sits down with San Antonio independent mortgage broker John Hudson, who brings nearly 29 years of mortgage experience, to examine the growing Realtor-to-MLO trend.

We are not arguing that Realtors should never become loan officers. Texas permits someone to serve in both roles under certain conditions. The real question is what the person is being paid to do.

Is the Realtor performing real, necessary and documented mortgage-origination services—or is an MLO license being used as a wrapper around a paid referral?

THE CENTRAL TAKEAWAY:

A license may authorize someone to perform mortgage work. It does not automatically make a referral compensable. The actual mortgage work matters.

IN THIS EPISODE:

• Why Realtors and mortgage companies are exploring new revenue streams
• How a tougher housing market helped create this trend
• The difference between a referral and legitimate origination work
• Why “limited extra effort” is a major warning sign
• RESPA Section 8 and unearned-fee concerns
• Consumer steering, divided loyalty and lender choice
• Whether the borrower is actually receiving better pricing
• Builder incentives and the payment-first sales strategy
• Gen Z buyers and down-payment-assistance opportunities
• Why fundamentals may generate more income than dual licensing
• Questions every Realtor should ask before joining one of these programs

QUESTIONS REALTORS SHOULD ASK:

• What exact mortgage responsibilities will I perform?
• Who will supervise and train me?
• Who is responsible for compliance?
• Who will actually structure and complete the loan?
• What happens when a loan is transferred to another originator?
• Can my client freely select another lender?
• Will I be expected to recommend this company to every client?
• Has my real estate broker approved the arrangement?
• Does the lender or investor permit the dual role?
• Is my compensation different on down-payment-assistance loans?
• Would this arrangement still make sense without my personal leads?

Mark’s position:

“I’m not against Realtors becoming serious mortgage professionals. I’m against Realtors obtaining an MLO license for the sole purpose of receiving compensation for handing the transaction to someone else.”

ABOUT THE GUEST:

John Hudson
Independent Mortgage Broker | San Antonio, Texas
https://hmmtg.com/john-hudson/

POWERED BY:

LoanBot — Smarter Mortgage Matching
Loanbot.com

CONNECT WITH MARK:

https://mortgagetalkwithmark.com

PRIMARY RESOURCES:

CFPB — RESPA Section 8 FAQs:
https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/real-estate-settlement-procedures-act/real-estate-settlement-procedures-act-faqs/

CFPB — Regulation X §1024.14:
https://www.consumerfinance.gov/rules-policy/regulations/1024/14/

Texas Department of Savings and Mortgage Lending:
https://www.sml.texas.gov/mortgage-origination/faqs/

Texas Real Estate Commission Rules:
https://www.trec.texas.gov/agency-information/rules-and-laws/trec-rules

Data, rates, programs and market conditions discussed were current as of the recording date and may have changed.

DISCLAIMER:

This program is provided for education and entertainment only. It is not legal, compliance, tax, financial, real estate or individualized mortgage advice. The opinions expressed by the host and guest are their own. Discussion of marketing materials or business models should not be interpreted as an allegation that any particular company or individual violated the law. Mortgage programs, rates, terms and eligibility requirements are subject to change and underwriting approval.

Mark Jones | NMLS #513437
iThink Mortgage powered by Premier Mortgage Resources LLC | NMLS #1169
Equal Housing Lender

RealEstateAF #RESPA #MortgageIndustry

00:00 The Realtor-to-MLO controversy
04:55 The RESPA line: referral vs. real mortgage work
09:40 Why this trend is growing now
20:15 Mortgage rates and the housing lock-in effect
28:10 The “limited extra effort” recruiting pitch
35:10 Does the consumer actually get a better deal?
37:35 How builders are winning payment-sensitive buyers
45:55 Gen Z, FHA and down-payment assistance
53:30 Shortcuts have ceilings—fundamentals don’t
57:30 Questions Realtors must ask and our final verdict

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⚠️ Viewer discretion advised: This episode contains strong language and candid adult conversation.

According to the 2026 agent-production chart referenced during this episode, approximately 84% of NAR-registered agents had closed zero transactions between January 1 and July 6, 2026, while approximately 97% had closed four transactions or fewer.

So what is actually happening inside the real estate industry?

In this unfiltered episode of RealEstateAF, Mark Jones sits down with three experienced San Antonio real estate brokers: Jeff Garza, Robert Saenz and Cesar Amezcua.

The panel breaks down why so many agents are struggling, whether real estate has been incorrectly marketed as a side hustle and why simply changing brokerages rarely fixes the real problem.

They also get brutally honest about:

• Whether real estate licensing standards adequately protect consumers
• Why experience and fiduciary responsibility still matter
• Massive builder commissions and new-construction incentives
• Finding the actual cash value of a new home
• Why so many real estate contracts are falling apart
• Performative social-media success and “I just capped” posts
• The temporary excitement of changing brokerages
• What real rainmaker activity actually looks like
• Whether struggling agents are surrounded by the wrong people
• When becoming a dual-licensed Realtor and loan officer makes sense
• Better ways agents can create additional sources of income
• Social-media boundaries, lead verification and agent safety

This is not an attack on struggling agents. It is an honest conversation about the difference between holding a real estate license and building a sustainable professional real estate business.

Statistics discussed in this episode are based on a chart displayed and referenced by the panel. RealEstateAF has not independently audited the underlying dataset.

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TODAY’S GUESTS

Jeff Garza
CEO and Broker, Redbird Realty
https://redbird-realty.com/

Robert Saenz
Broker, Xsellence Realty
https://www.xsellencerealtysa.com/

Cesar Amezcua
Owner and Sponsoring Broker, CA & Company, REALTORS®
https://cacompanyrealtors.com/

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CHAPTERS

00:00 – Cold Open: Get Better Every Day
00:32 – Introducing Jeff Garza, Robert Saenz and Cesar Amezcua
02:46 – The 2026 Agent Chart: 84% Closed Zero Transactions
08:00 – Real Estate Licensing Standards and Consumer Protection
12:25 – Builder Incentives, New Construction and Fiduciary Duty
24:37 – Failed Contracts and Performative Social-Media Success
31:00 – Brokerage Hopping and the 60-Day Honeymoon
50:26 – What Real Rainmakers Actually Do
1:00:26 – The 84%, Top Producers and Dual Licensing
1:16:45 – Agent Safety, Social-Media Boundaries and Final Takeaways

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POWERED BY LOANBOT

RealEstateAF is powered by LoanBot — Smarter Mortgage Matching.

Search LoanBot in the Apple App Store or Google Play.

Affiliation disclosure: RealEstateAF host Mark Jones is a co-founder of and holds an ownership interest in LoanBot.

LoanBot is an educational mortgage-matching and technology platform. It does not issue loan approvals, make underwriting decisions or provide a commitment to lend.

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CONNECT WITH MARK

Considering buying, refinancing or developing a mortgage strategy?

Visit:

https://MortgageTalkWithMark.com

Mark Jones
Branch Manager and Senior Loan Officer
NMLS #513437

iTHINK Mortgage powered by Premier Mortgage Resources, LLC
NMLS #1169
24123 Boerne Stage Road, Suite 103
San Antonio, Texas 78255

Equal Housing Opportunity

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CHANNEL AND PODCAST DISCLOSURE

The information presented in this podcast is provided for general educational and entertainment purposes only. It is not legal, tax, financial, investment, real estate, accounting or individualized mortgage advice.

Guests appear for informational and discussion purposes and speak on their own behalf. Their statements, opinions and experiences do not necessarily represent the opinions or policies of Mark Jones, RealEstateAF, iTHINK Mortgage, Premier Mortgage Resources, LLC, LoanBot or any affiliated organization.

No compensation is paid or received in exchange for referrals, endorsements or podcast appearances. Nothing discussed during this episode should be interpreted as an agreement to refer settlement-service business or as a requirement to use any particular real estate broker, lender, title company, insurance company or other service provider.

Mark Jones is a licensed mortgage loan originator. This content does not constitute an offer to extend credit or a commitment to lend. All loan programs, interest rates, terms, qualifying requirements and product availability are subject to change without notice. All financing is subject to application, credit review, property approval, underwriting approval and applicable investor or agency guidelines. Not all applicants will qualify, and not all products are available in every state.

Mortgage examples discussed during the podcast may be hypothetical and may not reflect current interest rates, loan costs, property conditions or an individual borrower’s eligibility.

Premier Mortgage Resources, LLC is not affiliated with or acting on behalf of the United States government, HUD, FHA, VA, USDA or any other governmental agency.

Mark Jones | NMLS #513437
Premier Mortgage Resources, LLC | NMLS #1169
Equal Housing Opportunity

NMLS Consumer Access:
https://www.nmlsconsumeraccess.org/

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TEXAS CONSUMER NOTICE

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and submit a complaint form to the Texas Department of Savings and Mortgage Lending.

Complaint forms and instructions may be obtained from the Department’s website at:

https://www.sml.texas.gov/

A toll-free consumer hotline is available at 1-877-276-5550.

The Department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department before payment of a claim. Additional information about the recovery fund is available through the Department’s website.

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👍 Like the episode if you appreciate honest real estate conversations.

💬 Are licensing standards too low, or does the market naturally eliminate agents who are not serious about the profession?

🔔 Subscribe to RealEstateAF for unfiltered conversations about real estate, mortgages, business and finance.

RealEstateAF #SanAntonioRealEstate #RealEstateAgents

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If you’ve ever crawled a deal to the finish line and wondered why it feels so much harder than it should, you’ll feel seen here. Mark Jones sits down with returning guest Matt Reyna after a last-minute schedule change, and the conversation turns into a raw, useful look at the mindset behind surviving real estate’s peaks and valleys.

We start with the simplest performance tool that actually works: small daily improvement. From there, we get specific about what breaks transactions today, especially in new construction. We talk builder lenders, poor communication, and the ripple effect that hits buyers, realtors, and loan officers when expectations aren’t set upfront. Mark lays out why honest lending conversations beat “rainbows and unicorns,” and how transparency keeps clients from panicking when the file gets messy.

Then we zoom out into podcasting and personal brand building. Matt shares why he talked about launching a show for years, what finally got him to start, and why consistency matters more than perfect cameras. We also touch the third rail topics that show up everywhere now: political polarization, virtue-signaling marketing, media bias, and why long-form dialogue is disappearing. The thread stays the same: ask better questions, do your own research, and keep getting better.

If you got value from this, subscribe, share with a friend, and leave a review so more people can find Real Estate AF.

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If you feel like you are doing solid work but nobody knows it, the problem is not your hustle, it is your visibility and your credibility. Mark Jones sits down with Jason Smith, publisher of San Antonio Real Producers, to talk about what actually moves the needle in real estate and small business growth when social media gets loud and trust gets scarce.

We get into why print marketing is still effective when it is niche, community-driven, and tied to a real person’s reputation. Jason shares lessons from building a neighborhood publication in The Dominion, where purchasing decisions are intentional and relationships matter. Then we zoom out to the San Antonio real estate market and why the pandemic created a surprising gap: top agents stayed productive while professional camaraderie and vendor access fell apart.

Jason explains how Real Producers helps solve that gap by spotlighting top-producing agents, telling real stories, and hosting private events that put the right people in the same room. We also go deeper into the personal side: coaching, closing loops, rebuilding after setbacks, and a four-part framework for growth built on character, clarity, courage, and competence. You will leave with practical ideas for earning referrals, communicating value, and building a business that aligns with the life you actually want.

Subscribe for more conversations like this, share the episode with someone building in real estate, and leave a review with your biggest takeaway.

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Your pipeline can look “busy” and still be broken. The real problem usually shows up in two places: the first phone conversation and the moment you sit down face to face and ask someone to trust you with a sale. I sit down with Christopher Waters, CEO of Waters International Realty and the builder behind Tables OS and RealSync, to talk about what actually moves the needle for real estate agents and team leaders: standards, accountability, and coaching that happens where the work happens.

Chris walks through the unglamorous parts of growth, getting humbled, buying coaching on a credit card, failing fast, then building a documented roadmap that lets a team scale without guessing. We dig into “performance enforcement” and why most teams stop at onboarding instead of inspecting execution. He explains how the mystery shopping mindset from other high ticket sales industries applies directly to real estate lead conversion, objection handling, and the listing presentation.

Then we go deep on AI sales coaching for real estate. Chris shares why generic AI notes can fall short, how RealSync is trained with rubrics and real sales standards, and what happens when agents get an objective scorecard right after every call and appointment. We cover patterns like pre-close questions that top producers use, red flags that predict low motivation sellers, probability scoring, and how agentic AI is enabling an enterprise model where small teams can operate like big companies without sacrificing service.

If you want better conversations, higher conversion rates, and a more scalable real estate business, hit subscribe, share this with a team leader, and leave a quick review so more agents can find the show. What part of your process needs the most coaching right now?

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Mark Jones of Real Estate AF sits down with industry veterans Patrick Conway and Adam Hughes to reveal the secrets to building a profitable, sustainable career in any market. They cover the power of coaching, focusing on high-value "green time" activities, and implementing simple systems like the "15 & 1" daily goal to create a referral-based business that lasts. Learn to stop being busy and start being profitable.

Key Points

• The Power of Coaching: Long-term success is attributed to mentorship and being truly coachable—the ability to execute without opinion.
• Better, Not Bigger: A smaller, more focused business can be significantly more profitable (e.g., from 19% to 68% profit margin).
• Green Time vs. Red Time: Maximize your income by focusing on "Green Time" (money-making activities) and delegating or systematizing "Red Time" (administrative tasks).
• Systems for Success: Implement simple, consistent daily goals like the "15 & 1" rule (15 calls, 1 warm lead) to build momentum.
• Referrals Are Key: The most efficient way to grow is to get one new client from every existing client by specifically asking for the business.
• Mindset Over Market: Individual effort, strong systems, and a relationship-based approach matter more than overall market conditions.
• Build Your Support System: Success requires a strong network, including professional coaches and personal accountability partners.

Chapters (Timestamps & Topics)

• 00:00 - Intro: The Power of Coaching & Relationships
• 01:52 - Origin Stories: From Title Reps to Top Producers
• 06:40 - Patrick's "Rookie of the Year" Success & The Roller Coaster Effect
• 09:25 - The "Bigger Isn't Better" Philosophy & 68% Profitability
• 12:20 - Adam's "Rock Bottom" Turning Point & Defining "Coachable"
• 15:05 - Green Time vs. Red Time: Calculating Your $660/Hour Worth
• 19:04 - The "15 & 1" Daily Formula & 6 Elements of a Great Call
• 22:15 - Building a Referral Engine: The "Just One Deal" Script
• 25:30 - The High-Trust Interview: How to Win & Filter Clients
• 29:40 - Why Market Conditions Don't Dictate Your Success
• 32:12 - A Personal Story of Resilience: The Power of a Relationship Business
• 35:00 - Final Takeaways: Embrace the Boring & Run the Play

Mark Jones
Senior Loan Officer | NMLS #513437
iThink Mortgage powered by Premier Mortgage Resources | NMLS #1169
Equal Housing Opportunity

All content on this channel is for educational and informational purposes only and does not constitute a commitment to lend, loan approval, financial advice, legal advice, tax advice, or investment advice. Loan terms, interest rates, program availability, down payment requirements, and eligibility are subject to credit approval, underwriting guidelines, investor overlays, market conditions, and change without notice.

Opinions expressed are my own and do not necessarily reflect the views of iThink Mortgage, Premier Mortgage Resources, any affiliated companies, podcast guests, employers, brokerages, lenders, builders, or industry partners.

Guests appearing on this podcast speak on their own behalf. No compensation is given or received for referrals, endorsements, podcast appearances, or business recommendations unless specifically disclosed. Nothing discussed should be interpreted as a referral agreement, endorsement, or guarantee of results.

Mortgage examples, payment estimates, rate discussions, affordability scenarios, and loan program descriptions are hypothetical and for educational purposes only. Actual loan options may vary based on credit profile, income, assets, debt-to-income ratio, property type, occupancy, loan amount, location, and current guidelines.

LoanBot, ReviewMyMortgage.com, and any related tools or calculators are educational resources only and do not provide loan approvals, credit decisions, u

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Your business can’t outgrow your habits, and this conversation proves it the hard way. I sit down with Yetzak Pearson, a Texas real estate broker whose path to success starts in a place most people can’t imagine: an off-grid childhood inside a religious cult, years of family labor, and then a rough “normal life” that included partying, arrests, and a rock-bottom wake-up call. What changes everything isn’t a hack or a lucky break, it’s the decision to get better every single day and keep making small, aligned choices when nobody’s watching.

We get practical about what that looks like in real estate: doing the pre-work before you get paid, investing in education beyond the bare minimum, building belly-to-belly relationships through networking, and creating content even when you feel awkward on camera. We also talk about identity and self-talk, why learning your strengths (DISC, CliftonStrengths, coaching frameworks) can make you a better communicator, and how “permission to say no” protects your time and raises your standards. If you’re searching for real estate mindset, real estate coaching, time management for Realtors, or how to grow a referral-based business, you’ll get clear steps you can use immediately.

We also tackle AI in real estate, including how Yetzak uses ChatGPT and systems to offload low-value work, and where he draws the integrity line so technology supports relationships instead of faking them. If you want to build a career that lasts, this one will challenge you and give you a plan. Subscribe for more Real Estate AF, share this with a friend who needs a reset, and leave a review with the one habit you’re committing to next.

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A $300 fish dies on the drive home, a store owner throws out a challenge, and a new San Antonio small business is born. That’s just one of the stories Ronil Harwood brings as we reconnect on Real Estate AF. Ronil is a Keller Williams real estate professional with a background in aviation and the co-owner of CHARE Aquatics, and his journey is a masterclass in what happens when you refuse to stay comfortable.

We talk about the practical foundation that shaped him early, including a church-led youth program that taught real-world skills like resumes, interviews, finances, and how to carry yourself with confidence. From there, we trace his move from New York to Texas, how buying his own home exposed the lack of home buying education, and why today’s real estate market rewards trust more than a polished sales pitch. If you’re a San Antonio Realtor, a new agent, or a homeowner thinking about buying or selling, you’ll hear clear guidance on pre-approvals, setting expectations, and having the tough conversations that protect your time and your client’s outcome.

We also go deep on entrepreneurship, collaboration, and building systems that scale, from dependable vendors and redundancies to relationship marketing that keeps you top of mind long after closing. Ronil shares daily non-negotiables like God first, staying healthy, and giving people simple moments of positivity, plus we swap routines on doing hard things daily to sharpen mindset.

If this hit home, subscribe, share the show with a friend, and leave a review. What’s one habit you’ll commit to for getting better every day?

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Who’s still standing in the mortgage and real estate industry? Why… This video emphasizes the power of daily "self improvement" and taking "one small step" towards your goals. It highlights the importance of consistent "motivation" and developing a strong "mindset" for "personal growth", especially for an "entrepreneur" aiming for "success habits" in a dynamic market.

In this episode of Real Estate AF, Mark Jones sits down with Alejandra Glass for a blunt conversation about what it actually takes to stay alive in today’s real estate and mortgage market.

They break down what’s really happening in San Antonio, why so many agents and lenders are struggling, how builders are changing the game, why buyers are stuck on rate instead of payment, and what separates the pros who adapt from the ones who disappear.

If you're a loan officer, Realtor, homebuyer, seller, or investor trying to make sense of this market, this episode is packed with practical insight.

Learn More:

Connect with Mark Jones:
https://MeetMarkJones
https://MortgageTalkwithMark.com
https://ithinkmtg.com

Timestamps:

00:00 Intro
2:01 Meet Alejandra Glass
8:06 From loan officer to branch leader
11:26 What lenders are seeing in today’s market
14:11 Builders, incentives, and losing deals to new construction
17:24 Why buyers focus on rate instead of payment
20:12 The personal touch that keeps clients loyal
26:16 Why getting buyers to commit is harder now
30:35 Bad mortgage advice, AI, and information overload
31:44 How agents and lenders survive this market
33:35 LOAs, systems, and evolving your business
39:09 Discipline, consistency, and daily habits
41:28 San Antonio market data and the “balanced market” debate
45:14 Why investors are still buying
49:22 Rapid fire
53:04 Final advice for buyers, sellers, and loan officers

Mark Jones
Sr. Mortgage Loan Officer | NMLS #513437
iThink Mortgage powered by Premier Mortgage Resources | NMLS #1169
Equal Housing Lender

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In this episode of RealEstateAF, Mark Jones sits down with Blake Butry of Churchill USA for a conversation that goes way deeper than roofing, sales, or business tactics.

This episode is about what really drives great leadership: authenticity, trust, culture, service, failing forward, and having the courage to build people instead of just building revenue.

Blake shares his path from retail, ministry, and door-to-door sales into entrepreneurship, and explains how betting on himself changed everything. Along the way, the conversation dives into what makes someone a strong cultural fit, how to lead with honesty, when grace turns into enabling, and why so many business owners struggle to separate performance from personal investment.

Mark and Blake also unpack topics that hit hard for entrepreneurs and sales professionals alike: fatherlessness, the need for blessing and identity, emotional health, burnout, addiction, vulnerability in leadership, delegation, hiring better people, and why business ownership magnifies both your strengths and your brokenness.

Whether you’re in real estate, mortgage, roofing, sales, or business ownership, this episode is packed with real talk on leadership, growth, and the kind of self-awareness it takes to build something meaningful.

This one is honest, sharp, and full of perspective for anyone trying to grow a team, grow themselves, and grow a business the right way.

03:00 Blake’s background: California, Colorado, Texas
06:00 Early jobs, people skills, and learning to serve
10:20 From ministry to roofing sales
15:00 Why authenticity matters in sales
21:00 Trust, personality, and how people really buy
25:00 Mark’s podcast journey and building confidence
31:00 Proving others wrong vs proving yourself right
36:00 Fatherhood, blessing, and identity
42:00 From salesperson to business builder
49:00 Building Churchill USA and defining company culture
58:00 Hiring, firing, and protecting the locker room
1:07:00 Vulnerability in leadership and hard conversations
1:15:00 Failure, burnout, addiction, and emotional health
1:25:00 The spiral staircase of personal growth
1:32:00 Why leaders need to pause and gain perspective
1:40:00 Delegation, grace, and trusting your team
1:49:00 Hiring for fit, hunger, and relational trust
1:58:00 Rapid fire: leadership, cold plunges, and culture
2:07:00 Blake’s advice for homeowners, Realtors, and business owners
2:11:00 Final thoughts and where to find Churchill USA

Connect with Mark Jones
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What if your next breakthrough isn’t a giant leap, but a mile before sunrise and one honest conversation about money and fear? We sit down with Vanessa, a San Antonio agent who turned a decade in multifamily into a resilient, people-first real estate business—and a healthier life along the way. From a childhood marked by financial hardship to a career reset after a team non-compete, her story shows how small, daily actions compound into real change.

We unpack how she rebuilt her book of business through rentals, tireless follow-up, and showing gigs, then scaled with better systems and high-trust buyer consults. Vanessa explains why waiting for interest rates to drop can backfire when competition returns, how to read total payment (not just principal and interest), and why local market expertise beats national hot takes. You’ll hear how she keeps first-time buyers calm with clear steps, right-sized education, and the emotional intelligence to mirror their pace and goals.

Beyond transactions, we explore the habits that fuel performance. Vanessa quit alcohol, embraced consistent movement, and used that discipline to show up more clearly on camera and with clients. Authentic social media—sharing fitness wins, setbacks, and lessons—helped her build a community that refers and returns. She and her husband are now planning to keep their current home as a rental and buy again, building long-term wealth one decision at a time.

If you want a practical, human playbook for buying a home in a noisy market—or growing a real estate business without losing yourself—this conversation delivers. You’ll walk away with better questions to ask, smarter ways to think about timing and financing, and a reminder that identity changes before outcomes. Subscribe, share this with a friend who needs a push, and leave a review telling us: what small step will you take today?

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Swapping first-time homebuyer journeys with San Antonio Realtors Matt Reyna and Zach Enriquez—what we believed going in, what surprised us, what almost derailed the process, and what we’d do differently today.

Most people think buying your first home is a math decision. In real life it’s emotional, messy, and full of bad advice from friends, family, and social media. In this episode we break down the real first-time buyer experience from three angles (Realtor + Realtor + Mortgage Lender), including what matters most: credit, income, mindset, equity, and how to stop letting other people’s opinions talk you out of building wealth.

In this episode you’ll learn:
- The biggest first-time homebuyer myths (and what’s actually true)
- How credit and planning impact your options (even with zero down programs)
- Why “keeping up with the Joneses” keeps people renting
- How equity can become a long-term wealth tool (not just a house)
- What Realtors and lenders wish buyers understood before shopping

Guests:
Matt Reyna — San Antonio Realtor
Zach Enriquez — San Antonio Realtor

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CHANNEL DISCLOSURE:
Mark Jones, Senior Loan Officer | NMLS #513437
iThink Mortgage powered by Premier Mortgage Resources | NMLS # 1169
Equal Housing Lender
All content on this channel is for educational purposes only and does not constitute a commitment to lend. Loan terms and availability are subject to credit approval, underwriting guidelines, and market conditions. Opinions are my own and do not necessarily reflect those of my company.

No compensation is given or received for referrals, endorsements, or podcast appearances, in compliance with RESPA. Guests speak on their own behalf. Mortgage examples used in videos are hypothetical and may not reflect current rates or borrower eligibility. LoanBot is an educational tool only and does not provide loan approvals.

For personalized mortgage advice, please contact me directly.

Chapters:
4:00 - Matt’s Background: South Side SA, sales origins, early hustle
9:30 - Zach’s Background: Sales path, Gold’s Gym era, learning the craft
15:30 - Friendship + Sales Careers: Gym → Cars → Commission mindset
23:00 - How They Got Into Real Estate (new homes + who opened the door)
29:30 - New Homes vs Realtor Transition (why make the switch)
36:00 - Topic Starts: Swapping 1st-Time Homebuyer Journeys
36:45 - Zach’s First-Time Homebuyer Journey (spontaneous decision + lessons)
41:30 - Matt’s First-Time Homebuyer Journey (goal → plan → credit → build)
48:30 - Mark’s First-Time Homebuyer Journey (2010 USDA + credit boost strategy)
58:30 - Bad Advice & Social Media Noise (family, TikTok, “experts”)
1:05:30 - Generational Mindset + Equity = Wealth Tool (not just “a house”)
1:12:30 - Keeping Up with the Joneses (rent + car payment trap)
1:18:30 - Final Takeaways: What each person wishes they did sooner
1:22:30 - Wrap Up + Subscribe Milestone + Closing Message

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Servant leadership sounds great… until the market gets tough.

** This video features a discussion about servant leadership, focusing on its meaning and implications. The content appears to be a podcast episode, as indicated by the microphones and studio setting. Several individuals are shown, with one prominently speaking into a microphone throughout the clips. This conversation provides valuable insights into leadership and offers practical business talk for anyone looking to enhance their leadership skills and understand different leadership theories. It's great for leadership development and overall leadership motivation. Based in San Antonio, TX.

In this episode of Real Estate AF (And Finance), Mark Jones sits down with AJ Reygadas and Rick Graham to break down what servant leadership looks like in real life—culture, trust, mindset, and the uncomfortable lessons most “leaders” avoid.

What you’ll learn:

👉 The real definition of servant leadership (and where it came from)
👉 Why mindset is the first battlefield for leaders
👉 How to build culture without letting toxicity spread
👉 When to let agents struggle (and when to step in)
👉 Why financial literacy matters more when you lead people
👉 How tech/AI can elevate leaders—or expose the ones faking it

Guests:
AJ Reygadas — Broker/Owner, First Choice Realty Group
Rick Graham — Broker/Owner, Impact Realty (San Antonio)

Chapters:
👉 Get Better Every Day (Opening Mindset)
👉 What “AF” Really Means + Show Mission
👉 Meet the Guests: AJ Reygadas & Rick Graham
👉 Rick’s Story: From Bet to Real Estate
👉 What Servant Leadership Actually Is
👉 The Battlefield: Mindset, Culture, Trust
👉 Today’s Market: Why Real Leaders Stand Out
👉 People First vs Systems First
👉 Financial Reality for Servant Leaders
👉 Tech & AI: Tool or Trap?
👉 Rapid Fire: Leadership Truths
👉 Closing Message + Challenge

Question for you:

Channel Disclosure:
Mark Jones, Senior Loan Officer | NMLS # 513437
iThink Mortgage powered by Premier Mortgage Resources | NMLS # 1169
Equal Housing Lender

All content on this channel is for educational purposes only and does not constitute a commitment to lend. Loan terms and availability are subject to credit approval, underwriting guidelines, and market conditions. Opinions are my own and do not necessarily reflect those of my company.

No compensation is given or received for referrals, endorsements, or podcast appearances, in compliance with RESPA. Guests speak on their own behalf. Mortgage examples used in videos are hypothetical and may not reflect current rates or borrower eligibility. LoanBot is an educational tool only and does not provide loan approvals.

For personalized mortgage advice, please contact me directly.

00:00 Get Better Every Day
00:38 Episode Intro & Guests
02:18 Why This Show Exists
04:11 Rick’s Story & Faith
05:05 A Bet Changed Everything
07:12 Building Culture and Trust
09:18 What Servant Leadership Means
11:09 Today’s Leadership Battlefield
16:00 Producer to Leader Shift
31:09 Leadership in Today’s Market
43:19 Money, Sacrifice, and Service
55:11 Let Agents Fail or Save?
1:07:24 Technology: Tool or Crutch
1:11:19 Rapid Fire Leadership Truths
1:16:10 What You’re Remembered For
1:19:46 Final Takeaways & Outro

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Most agents don’t fail because they lack talent.
They fail because talent without structure, accountability, and coaching eventually collapses.

In this episode of Real Estate AF, host Mark Jones sits down with Art Fernandez, a 29-year real estate veteran and founder of Bear Coaching, to break down why coaching is the real separator between agents who survive market shifts and those who burn out when things get hard.

This is not a motivational fluff episode.

This conversation dives into:
• Why uncoached talent fails
• The difference between being interested and committed
• How ego blocks growth and kills scalability
• Why routines, systems, and habits matter more than goals
• The real difference between training vs coaching
• Why “busy” doesn’t mean productive
• How abundance mindset beats scarcity every time
• The biggest lies new agents believe about real estate
• Why flexibility without discipline leads to failure
• How accountability accelerates results
• Why most agents avoid uncomfortable conversations — and pay the price
• How to build a repeatable, duplicatable business instead of winging it

Art explains why coaching isn’t about motivation — it’s about execution, accountability, and truth. He shares how top producers operate, why systems matter more than talent, and how success is often just boring fundamentals done consistently for a long time.

If you’re a real estate agent, loan officer, business owner, or entrepreneur who:
• Feels stuck
• Feels burned out
• Knows you’re capable of more
• Wants structure instead of chaos

This episode will challenge you — in the best way possible.

Because hope is not a strategy.
Coaching is.

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Most agents don’t fail from lack of talent — they fail from lack of coaching.

In this episode of Real Estate AF, I sit down with Art Fernandez to break down why uncoached talent collapses, how ego blocks growth, and why systems + accountability beat motivation every time.

If you’re serious about results, this one hits hard.

⏱️ YouTube Chapter Timestamps (Learning Moments)

0:00 – Why Coaching Is the Real Differentiator
1:12 – Interested vs Committed
3:04 – Art Fernandez Background & Coaching Journey
7:04 – Ego, Coachability & Growth
14:26 – Scarcity vs Abundance Mindset
19:25 – Routines, Habits & Systems
24:14 – Why Uncoached Talent Fails
30:08 – How Coaches Identify Coachable People
34:20 – What Coaching Actually Looks Like
41:55 – Why Most Agents Fail
48:04 – Daily Non-Negotiables for Agents
53:40 – Training vs Coaching Explained
58:34 – What Changes When You Commit to Coaching
1:02:13 – The First Action Anyone Can Take
1:05:10 – Rapid

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A half point can change behavior, but real affordability is still a math problem. We dig into the noise and the numbers around two big headlines: a $200B directive for Fannie Mae and Freddie Mac to buy mortgage‑backed securities, and a move to limit large institutional buyers from competing for single‑family homes. With mortgage pro John Hudson and investor‑broker Colin Corrington, we unpack what might actually move payments, supply, and buyer psychology—and what’s just selling sizzle.

We break down how added MBS demand can nudge rates lower and why that effect is likely modest and delayed. Then we zoom out to the cost stack that really strains buyers: rising property taxes, spiking homeowners insurance, and consumer debts that outweigh latte math. You’ll hear practical strategies that beat chasing price cuts—maximizing seller concessions to buy your rate down, using closing credits to reduce cash‑to‑close, and tapping down payment assistance programs many lenders never promote. We also challenge the “Wall Street bought all the homes” myth with data showing mom‑and‑pop owners dominate single‑family rentals, and we explore where a targeted curb could help or harm, especially in concentrated metros.

If you’re a first‑time buyer, a seller weighing incentives, or an agent advising clients, this conversation is a playbook: structure smarter deals, set sane expectations, and focus on the only number that matters—your monthly payment. Forget timing the market. Marry the house, date the rate, and engineer a plan that works today with room to refinance tomorrow.

Enjoyed the conversation? Subscribe, share with a friend, and leave a quick review to help more people find the show. Tell us: what’s your biggest hurdle to buying right now?

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Ever feel like the housing market is a maze with moving walls? We brought together a 20-year realtor who treats every purchase like an investment and a lender who rebuilt his playbook around non-QM lending to show exactly how buyers, sellers, and investors can win right now. No fluff—just the strategies that still close in a high-rate, low-fit inventory environment.

We break down the real dynamics behind “high but not the highest” rates, why inventory feels wrong for most budgets, and how buyer hesitation often kills good deals. You’ll hear how remote work and 1099 income changed underwriting, why DSCR, bank statement, and 1099 loans matter, and how to structure tough files using grants and seller credits without smoke and mirrors. If you’ve wondered whether to wait for rates to dip, we map the tradeoffs: when financing costs fall, demand and prices usually rise. Renting remains 100% interest; ownership gives options—refinance later, sell, or rent out your home if life shifts.

We also get tactical. Learn the duplex house-hack that boosts buying power on day one, the exact steps for clean documentation and fewer last-minute surprises, and the simple process upgrades—like group-text introductions and a short video walkthrough of the closing disclosure—that reduce anxiety and speed up closings. For agents, it’s a masterclass in fundamentals and staying in your lane; for lenders, a reminder to own cash-to-close clarity and communicate early. For renters and first-time buyers, it’s a clear path from fear to a plan.

If you’re serious about real estate in 2026—buying, selling, investing, or staying sharp as a pro—this conversation gives you the mindset and the tools. Subscribe, share with a friend who needs the nudge, and leave a review with your biggest question—we may feature it next.

Quote Cards for Social

Mark Jones
🗣️ “You’re not working in the same market—we’ve got to stop acting like we are.”
🗣️ “Build a bigger box instead of thinking outside it.”

Cynthia Ramona Gomez
🗣️ “Every market is a good market—for someone.”
🗣️ “I don’t advertise. 100% referrals. That’s the brand I built.”

Waseem Bari
🗣️ “If I can’t do your loan—nobody can.”
🗣️ “You’re paying 100% interest when you rent.”

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Real estate success isn’t built on trends or predictions—it’s built on judgment, discipline, and relationships that compound over time. In this episode of Real EstateAF (And Finance), we sit down with Kimberly Howell, San Antonio native, veteran real estate broker, relocation expert, and long-time industry leader, to break down what 40+ years in real estate reveals about the next market cycle.

Kimberly shares her journey from construction sites and research environments to founding and scaling her own brokerage—and why, after more than two decades of independence, she chose to return to Keller Williams Legacy as an owner. The lesson is clear: relationships outperform rates, and trust—earned through consistency and transparency—outlasts every market headline.

We dive into hard-earned lessons from the 2008 housing crash, including a holiday-weekend closing that never funded after a lender vanished. It’s a reminder that deals aren’t done until the wire clears—and that fear-driven media narratives often lack the context professionals must provide. Kimberly also unpacks the growing complexity of estate sales, family dynamics, and the quiet counseling work experienced agents do behind the scenes while navigating grief, conflict, and financial stress.

Instead of generic market commentary, this conversation focuses on precision education: addressing the exact fear a buyer or seller brings—interest rates, appraisals, job security, timelines—rather than reacting to noise. We also explore high-stakes corporate and professional sports relocations, and what true white-glove service looks like when privacy, speed, and trust are non-negotiable.

Looking ahead to 2025–2026, Kimberly outlines a practical roadmap for agents and consumers alike: return to fundamentals, use technology as leverage (not a hiding place), prioritize conversations over content, set realistic showing windows, price honestly, and communicate clearly about condition and expectations. On timing, the guidance is grounded—buy the right home when it fits, improve the rate later if possible, but never force a bad decision to chase a market headline.

For long-term wealth, the conclusion is firm: real estate remains one of the most accessible and durable wealth-building tools available—when approached with patience, education, and integrity.

If you value substance over sizzle and want real insight into real estate market cycles, hit play.
Subscribe for more real conversations about real estate, finance, and the decisions that shape long-term success.

00:00 – Why “Getting Better Every Day” Still Wins in Real Estate
02:15 – Kimberly Howell’s Path into Real Estate (Before the Internet Era)
06:40 – Building a Brokerage & Choosing Independence
11:10 – Why Kimberly Returned to Keller Williams Legacy
15:20 – The 2008 Crash: Lessons You Only Learn the Hard Way
20:05 – When Closings Don’t Fund (And What Agents Miss)
23:50 – Estate Sales, Family Conflict & the Hidden Work of Agents
29:30 – Educating Clients Based on Fear, Not Headlines
34:10 – Relocations, Spurs Moves & High-Touch Client Service
39:45 – Technology: Tool or Crutch?
43:30 – What Successful

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You can’t fake perspective. It’s earned in the lows that most people won’t talk about: childhood chaos, addiction, grief that knocks the air from your lungs, and careers capped by glass ceilings. We sat down as owners and team leads to tell the truth about how those lows forged our leadership, sharpened our empathy, and set the tone for how we build brokerages that actually serve people.

We start with raw origin stories and the flip from victimhood to agency—therapy before tactics, faith before funnels, and mentors who make you fix your life before your lead gen. Then we break down the real market from 2023 to 2025 without spin: morale is a metric, culture is hard work, and smaller wins keep teams moving. You’ll hear how we cut break-even side plays, killed bad spend, and focused on what we do best so our people could keep winning even when the weather turned.

Looking ahead, we outline a clear 2026 plan. Scott shares a global dive into modular construction and factory robotics that could cut build times to days and costs below $100 per foot, with partnerships spanning China, LA, and Dubai. Ronnie leans into scaling Resi Realty by embracing the hard lessons of 2025 and doubling down on people-first systems. Jeff commits to owning a headquarters, expanding into new cities, resurrecting a profit-focused production team, and entering asset management and REO as cycles shift. The throughline is simple: invest in people, protect hope, eliminate waste, and make sure every effort returns value.

If you’re tired of empty hype and hungry for practical strategy, mindset shifts, and real leadership, this conversation is your playbook. Subscribe, share it with someone who needs the push, and leave a review telling us the one choice you’ll make differently this year.

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2025 Wins & Losses — A Conversation About Pain, Purpose & Leadership

In this Christmas Day special, Mark Jones hosts an incredibly raw and transparent roundtable with Scott Malouff, Jeff Garza, and Ronnie Trevino—three of San Antonio’s top real estate leaders.

Together, they discuss:

• Childhood trauma
• Addiction and recovery
• Loss of loved ones
• Leadership pressure
• Betrayals in business
• Mental health & emotional intelligence
• Faith, healing, and rebuilding a life of purpose

This is the most vulnerable conversation ever recorded on the Key Factors Podcast.

If you're navigating life, business, or leadership in any capacity—this episode will speak directly to you.

Apply for Home Financing with Mark Jones:
https://www.iThinkMortgage.com

Subscribe to The Key Factors Podcast:
https://www.youtube.com/@keyfactorspodcast

CHANNEL DISCLOSURE: Mark Jones, Senior Loan Officer | NMLS#513437 iThink Mortgage powered by Premier Mortgage Resources | NMLS #1169 Equal Housing Lender All content on this channel is for educational purposes only and does not constitute a commitment to lend. Loan terms and availability are subject to credit approval, underwriting guidelines, and market conditions. Opinions are my own and do not necessarily reflect those of my company. No compensation is given or received for referrals, endorsements, or podcast appearances, in compliance with RESPA. Guests speak on their own behalf. Mortgage examples used in videos are hypothetical and may not reflect current rates or borrower eligibility. LoanBot is an educational tool only and does not provide loan approvals

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What if the real estate edge isn’t more screens—but fewer? We sit down with a split panel—two cautious advocates and two skeptics—to unpack how AI is already transforming real estate and mortgage lending, where it speeds up the boring parts and where it threatens the human moments that matter most. The conversation is candid and specific: lead gen bots that qualify after hours, instant content and listing copy, virtual staging, floor plans, predictive analytics, and automated valuations that demand a pro’s eye for local nuance.

On the mortgage side, we get into the guts of the process: AI flagging deposits in bank statements, prepping condition lists, scanning tax returns, and compressing timelines from application to underwriting. We name the roles at highest risk—transaction coordinators, processors, junior underwriters, call center intake—and the ones that gain leverage: senior underwriters, top agents, and loan officers who can explain tradeoffs, manage fear two days before closing, and negotiate under pressure. The takeaway is sharp: AI won’t replace great professionals; it will expose average ones.

We also push into the uncomfortable truths. Some clients want kiosk-like speed; others crave voice and eye contact. Winning teams will offer both: a screenless, low-friction path for routine steps, paired with human judgment when the stakes spike. Then we zoom out. Data centers gulp energy; our grid isn’t ready. Ethics get messy: deepfake avatars, surveillance creep, and AI-written schoolwork. Detection is improving, but responsibility and skill still matter. The practical advice lands here: adopt AI to automate research and follow-up, protect time for client conversations, and sharpen the defensible skills—local expertise, empathy, and negotiation—that set you apart.

If your role is exposed, become the person who masters the tools and teaches the team. Keep the mirror test: did you get better today? Subscribe, share with a colleague who needs a nudge, and leave a review with the one task you’ll automate this week.

Topics Discussed in this Episode

• mirror test mindset for daily improvement
• rebrand to Real Estate AF and panel setup
• AI empowerment vs tech enablement
• short-term gains and long-term job reshaping
• responsible use vs lazy dependence
• practical tools for content, CMAs and coaching
• lending workflows: docs, flags, guidelines, QC
• roles at high automation risk across both sectors
• why empathy, negotiation and calm still win
• consumer modes: low friction paths and human help
• energy footprint and grid constraints
• ethics: deepfakes, detection, and education shifts
• adapt or be replaced, build defensible skills

Start playing around with AI, use it to make your business more efficient, but use caution

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What if your best business partner is also your spouse—and your toughest boss? We share how two teachers packed a U-Haul, chased a bigger life in Texas, and transformed a side hustle into a top-producing real estate brokerage without losing the plot at home. The path wasn’t linear: a 2008 licensing sprint, early Zillow experiments, a move to San Antonio with a small sphere, and mentors who cared as much about margins and jeans as they did about GCI. Along the way, a premature birth at 27 weeks forced a reset that changed everything. Erin stepped out of the classroom, mastered the back office, and turned scattered spreadsheets into systems, client parties into community, and chaos into four times the profitability.

We talk real tactics—open houses that still work, bank-branch prospecting, positioning that fits both luxury listings and first-time buyers, and the small branding choices that make clients feel safe. We pull back the curtain on launching a brokerage: when to leave the big split, how to price your time, and why clean accounting is a growth engine, not a chore. Then we go deeper: rules for couples who work together, like resolving conflict the same day, setting lanes for sales and operations, and remembering the first job is family. You’ll hear how a CASA toy-drive holiday party grew to hundreds at The Rock, why community beats cold ads, and how to find mentors who save you years by telling you the inconvenient truth.

If you’re a realtor, loan officer, or small-business owner wondering when to jump, this story offers a clear blueprint: stop waiting for perfect, ship the work, and iterate in public. Subscribe for more real estate strategy, business systems, and honest conversations about building a life and a company you’re proud of. If this resonated, share it with someone you’d trust as a business partner—and a life partner.

KeyFactorsPodcast #RealEstateAF #CesarAmezcua #ErinAmezcua #RealEstateJourney #CouplesInBusiness #ImmigrantStory #BrokerLife #NICUSurvivor #FamilyFirst #LoanBot #TexasRealEstate

2:27 – Meet Cesar & Erin
3:16 – Cesar’s journey from Mexico to college in Texas
5:07 – Erin’s military upbringing & family sacrifice
8:10 – The hilarious story of how they met
16:01 – The ultimatum that led to their move to Garland
19:55 – Becoming a bilingual teacher on an H-1B visa
27:23 – Both get real estate licenses in Dallas
30:04 – Why they left it all to move to San Antonio
33:53 – From PO Box in Helotes to full-time real estate
43:02 – Launching their own brokerage in 2013
46:07 – Premature birth changes everything
49:10 – Erin joins the business—and makes it 400% more profitable
54:01 – Advice for couples working together in real estate

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A wedding coordinator turned realtor who almost quit ends up selling 30+ homes her first year and doubling down on the one tactic most agents avoid: telling the truth. Meet Melissa Royale, a San Antonio agent who built a resilient business on systems, mentorship, and real conversations about budget, tradeoffs, and timing.

We dig into the inflection points that changed everything: splitting from family partners, leaving a bad fit, and finding a mentor who replaced guesswork with accountability. Melissa breaks down the exact toolkit that saved her sanity—Google Calendar time blocks, Tasks for daily execution, a CRM that keeps seven-month leads warm, and a live checklist that flags deadlines in red. The result is a calm brain and a steady pipeline, even with multiple pendings in a tight, incentive-heavy market.

If you’re wrestling with affordability, builder concessions, or the post-NAR settlement noise, this conversation offers spine and strategy. Melissa explains how to write offers that win, why she negotiates compensation inside the contract, and when she refuses listings that won’t sell. She sets expectations with buyers early—choose your compromise: location, size, age, or upgrades—and warns short-term owners about competing with builders on resale. For new agents, her advice is direct: know your personality, pick the right environment, and get organized fast. For buyers, it’s simple: start where you are, build equity, and let your next home fund itself.

Real estate doesn’t reward perfect conditions. It rewards clarity, consistency, and courage. Tap play to learn how Melissa turned hard lessons into a durable playbook you can use today. If this helped you think sharper about buying or selling, subscribe, share with a friend, and leave a review with your biggest takeaway—we read every one.

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Everyone’s sharing hot takes on the 50-year mortgage, but most people miss the real question: does it help you buy smarter, or just slower? We sit down with San Antonio experts Robert Elder and Stephanie Paxton to unpack affordability beyond the headline rate, run the equity math on 30-year vs 50-year scenarios, and reveal why taxes, insurance, and maintenance now drive the monthly payment more than anything else.

We get brutally honest about new construction. Builder buy-downs and flashy incentives can be seductive, but the true cost is often buried in the price—and appreciation can lag for years in areas with abundant land and endless new phases. We contrast that with landlocked neighborhoods where limited supply supports stronger resale dynamics. We also break down buyer expectations that hold people back: choosing staging over structure, refusing longer commutes that transplants accept, and chasing “move-in ready” at the expense of long-term value. If you’re weighing a first home, a move-up purchase, or a possible rental conversion, this conversation will sharpen your strategy.

We close with where the deals actually are. Year-end inventory homes can be negotiated hard across all price tiers, while select resale properties offer meaningful price cuts. The playbook: model your total payment with taxes and insurance, stress-test your five- to ten-year plan, and consider the 50-year loan as a tactical bridge with a refinance path—not a forever decision. Local data beats national headlines every time. If you’re ready to run your numbers and build a plan that fits your life, tap follow, share this with a friend who’s shopping, and leave a quick review to tell us what you want covered next.

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Is social media ruining real estate work ethic? We dive into the old-school vs. new-school mindset with Casey Hampton and Austin Pantuso. Volume, sacrifice, and the truth behind success in real estate.

In this unfiltered episode of the Key Factors Podcast – Real Estate AF, Mark Jones sits down with real estate veterans Casey Hampton (25+ year mortgage leader, formerly with D.R. Horton and Meritage Homes) and Austin Pantuso (broker and President of United Realty Group) to break down the massive shift happening in real estate and lending post-2020.

🔥 What we cover:

• Are agents and LOs relying too much on social media and not enough on skills?
• Is lead generation dead or just lazy?
• Why “part-time” real estate careers don’t cut it in 2025
• How today’s buyers are stuck in 2021 mindsets
• Real talk on wealth gaps, financial literacy, and homeownership strategy
• The new rules of building trust and referrals in a digital-first world

Whether you're a new agent, a seasoned broker, or somewhere in between — this conversation cuts deep into the mindset, work ethic, and education gap that’s growing in the real estate space.

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🔔 Subscribe for more episodes every week!
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💬 Drop your thoughts in the comments — we read every one.

RealEstateAF #KeyFactorsPodcast #CaseyHampton #AustinPantuso #RealEstateTruth #LoanBot #MortgagePodcast #LenderLife #RealtorLife #OldSchoolVsNewSchool #LeadGeneration #WorkEthic #HomeAffordability #MillennialMoney #GenerationalWealth

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In this powerhouse episode of Key Factors Podcast – Real Estate AF, host Mark Jones sits down with Tomas Martinez, founder of TM3 Impact and Luxury Home Magazine (San Antonio & Austin). Tomas shares his incredible story—from being cut from the C team in middle school basketball to building one of the most successful luxury real estate publications in Texas.

They unpack:

• How he and his wife bootstrapped a franchise with car loans
• Why paper is still powerful in a digital world
• How to break into luxury real estate (even if you have no experience)
• Why branding beats marketing, and the power of relentless consistency
• His evolution into coaching, training, and the Distinctive Agent Lab
• How faith, marriage, and mindset shaped his journey

Luxury Magazine San Antonio - https://www.luxuryhomemagazine.com/sanantonio/
Get in Touch with Tomas - https://www.tm3impact.com/

🚀 Get inspired, get equipped, and get motivated to dream bigger.
Powered by LoanBot - the smarter mortgage-matching tool.Find Out More : https://LoanBot.com

KeyFactorsPodcast #RealEstateAF #TM3Impact #LuxuryHomeMagazine #TomasMartinez #BrandingMatters #FaithDriven #EntrepreneurJourney #LoanBot

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Join Mark Jones and hard money expert Jade Florez of Longhorn Investments as they dive deep into the world of real estate investing in today's dynamic market. Discover why mom-and-pop investors are thriving with hard money loans, even as traditional buyers hesitate. Jade breaks down the BRRRR method (Buy, Renovate, Refinance, Rent, Repeat), explaining how investors can acquire properties with minimal out-of-pocket cash and build long-term wealth. Learn about the critical 70% rule for flips, the shift from rentals to flips due to rising costs, and how speed and flexibility make hard money a powerful tool. They also expose common pitfalls like contractor mismanagement and discuss the true landscape of institutional vs. individual property ownership. Whether you're a seasoned investor or looking to start your portfolio, this episode offers invaluable insights into leveraging hard money, managing risks, and navigating market changes for profitable real estate ventures.

Get in Contact with Jade : https://www.longhorninvestments.com/loan-consultants/jade-florez

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Buyer payments didn’t spiral because people forgot how to shop; they spiraled because the inputs changed overnight. We sit down with builder leader Tommy Fryer to talk candidly about what kept new construction moving when rates doubled—and why transparency beats shiny incentives every time. From the DR Horton headlines to the realities of “payment shock” letters, we lay out how improved taxes, real insurance quotes, and honest monthly numbers safeguard buyers and reputations.

Tommy walks us through the rollercoaster: 2019 optimism, 2020–2021 mania, and the 2023 slowdown that forced everyone to reset. The answer wasn’t gamesmanship. It was forward commitments—rate lock buckets that buy down payments without inflating prices or risking appraisals. That choice to take margin pain instead of hiding costs stabilized affordability, protected backlogs, and kept trades working. We also get into inventory discipline, smarter cycle times, and how to avoid a return to metered chaos that leaves buyers waiting months for a chance to sign.

If you’re an agent or lender, you’ll hear a playbook for true partnership: full 3 percent commissions, Agent Rocks lead sharing, CE, and even builder-provided listings—plus a clear path for outside lenders to serve clients with meaningful closing cost credits. For buyers, especially VA borrowers, we map out the “rent it, then rebuy” strategy that turns relocations into stepping stones and builds long-term wealth through lease offsets and entitlement reuse. The throughline is simple: align around the monthly payment, tell the truth early, and choose programs that help families stay in their homes.

Subscribe for more real talk on mortgages, incentives, and market timing. Share this with a friend who’s considering new construction, and leave a review with your biggest question about buying in a high-rate market.

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In this unfiltered and highly educational episode of the Key Factors Podcast – Real Estate AF, host Mark Jones is joined by San Antonio’s top real estate professionals: Moses Thatcher, Cesar Amezcua, and Josh Boggs.

This episode dives into hard truths about the current new home sales market — truths that many agents are too afraid to say out loud.

Topics covered:

• How builders use inflated pricing and temporary buydowns to trap buyers in negative equity
• The fiduciary failure of realtors who chase commissions and skip due diligence
• Why veteran agents are seeing a rise in pre-foreclosures and short sales
• How builder incentives mask the true cost of homeownership
• Why some new homes are built with lower-quality materials to protect profit margins
• The problem with TikTok agents: Are dancing videos replacing actual expertise?
• How improper pre-qualifications and unimproved tax rates are misleading buyers
• The upcoming risk of payment shock as 2-1 buydowns begin to expire

These industry experts hold nothing back, calling out what needs to be said — from poor leadership at brokerages, to shady builder practices, to agents who can't write a contract but know how to “go viral.”

Whether you’re a homebuyer, realtor, lender, or industry leader, this episode will challenge your perspective, sharpen your edge, and reinforce the value of true expertise in a crowded market.

💥 Must-watch moment: Josh Boggs drops stats on how many short sales he’s working right now—and why that number is about to explode.

🎧 Take notes — this is real talk with real consequences.

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In this video, we discuss the importance of roof maintenance and how to protect your home from costly repairs. Our experts share valuable roofing insights and practical roofing tips to help homeowners avoid common mistakes. Plus, we dive into gutter maintenance and its crucial role in home improvement. 🏠✨

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Join host Mark Jones in this insightful episode of the Key Factors Podcast, where real estate experts Sandra Rangel and JJ Garina share their extensive knowledge and experience in navigating the San Antonio real estate market. This episode delves into the current market dynamics, personal growth strategies, and the evolving landscape of real estate. Whether you're a seasoned professional or new to the industry, this discussion offers valuable perspectives and actionable advice to help you thrive in today's challenging environment.

Link to Google Doc with Q&A - Value Add Sheet
docs.google.com/document/d/1yan-cwffvpvixk...

Key Topics Discussed:
1. San Antonio Real Estate Market Trends:

• Current market conditions and neighborhood insights.

• The impact of affordability and buyer mindset on market dynamics.

• New Construction vs. Pre-Owned Homes:

• Pros and cons of buying new construction versus pre-existing homes.

• Interest rate considerations and long-term investment strategies.

• The Role of Social Media in Real Estate:

• The influence of TikTok and social media on new agents and market perception.

• Balancing personal branding with professional expertise.

• Personal Development and Growth:

• The importance of mentorship, coaching, and continuous learning.

• Strategies for overcoming imposter syndrome and building a successful career.

• Industry Challenges and Opportunities:

• The rise of part-time agents and its implications for the industry.

• The potential impact of major mergers and acquisitions on market dynamics.

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In this episode of Key Factors Podcast – Real Estate AF, we dive deep into the power of social media and digital media — how it’s programming society, shaping desires, fueling division, and even impacting real estate and finance.

From algorithms that amplify polarization to the normalization of behaviors online, we explore how the digital age is influencing not only our culture but also how buyers, sellers, and investors make decisions in today’s market.

👀 What you’ll learn:

How algorithms are shaping human thought and financial behavior

Why social media’s influence extends into housing markets and consumer confidence

The paradox of digital media: division vs. connection

What realtors, lenders, and investors need to know to navigate this new digital landscape

This isn’t just a conversation about technology — it’s about mankind, money, and the future of trust.

🔑 Join us as we peel back the curtain on the hidden power of media, and uncover what it really means for real estate and finance.

👉 Subscribe for more thought-provoking conversations on real estate, finance, and the forces shaping our world.

RealEstateAF #KeyFactorsPodcast #SocialMedia #Finance #RealEstate

Join us in this insightful episode as we explore the profound impact of social media on our lives. Our hosts and guests delve into how algorithms shape our perceptions, the importance of self-reflection, and maintaining spiritual and moral values in a digital age. Discover practical tips for curating your social media experience and fostering positive interactions. Whether you're seeking personal growth or understanding the broader societal effects, this discussion offers valuable perspectives.

SocialMedia, #PersonalGrowth, #Spirituality, #SelfReflection, #Algorithms, #DigitalAge, #Empathy, #Community, #Influence, #Mentorship, #PositiveMindset, #RespectfulConversations, #SocialMediaImpact, #Faith, #MoralValues, #OnlineInfluence, #DigitalWellbeing, #SocialMediaTips,

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Is the Fed About to Make a Huge Move? How does it effect you as a homebuyer?

In this eye-opening episode of the Key Factors Podcast – Real Estate AF, host Mark Jones is joined by John Hudson and Brianna Jones to dig deep into the current mortgage climate, financial literacy, and buyer behavior in a volatile market. The trio explores how fear of rejection, lack of trust in lenders, and financial misinformation are keeping 85% of potential homebuyers on the sidelines—even as rates drop.

They break down the true relationship between Fed rate cuts and mortgage rates, challenge the house-poor mindset, and share how tools like LoanBot empower consumers through transparency and options. From the generational wealth gap and 40-year mortgages to the failure of schools to teach basic finance, this episode delivers hard truths and helpful guidance in equal measure.

🧠 Discussion Themes / Talking Points

Fed Rate Cuts vs. Mortgage Rates
Why a Fed cut doesn’t guarantee lower mortgage rates—and how media confuses buyers.

Fear, Trust, and Financial Literacy Gaps
Generational distrust in lenders, fear of rejection, and lack of education are massive hurdles.

LoanBot as a Solution
A tech-driven approach that empowers buyers and gives realtors and LOs a sticky tool to stay top-of-mind.

Expanding Term Lengths & the Case for 40-Year Mortgages
The market may be shifting in term length expectations due to affordability and age.

Buy Now, Not When Everyone Else Does
Encouraging buyers to act before another market frenzy hits.

Guest Info
📇 John Hudson

Owner & Sr. Mortgage Advisor
🏦 H&M Mortgage Group
📍 San Antonio, TX
📧 john@hmmortgagegroup.com

📇 Brianna Jones

Licensed Realtor®
🏡 JBGoodwin REALTORS®
📍 San Antonio, TX
📧 brianna.jones@jbgoodwin.com

Mark Jones | Branch Manager | Sr. Loan Officer nmls# 513437
iThink Mortgage
Founder and Co-Owner of LoanBot & ReviewMyMortgage.com

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Are You Leveraging or Just Taking Advantage -Talking Real Estate

In this high-energy episode of the Key Factors Podcast – Real Estate AF, host Mark Jones welcomes back Dylan Shively and introduces Carlos Puckerin, a dual-citizen entrepreneur from Detroit and Windsor, Ontario, now based in Houston. Together, they dive into the hard truths about real estate, entrepreneurship, scaling systems, authenticity, and marketing. Carlos unpacks his journey from fix-and-flip investor to founding Loaded Realty and LLGS (Loaded Lead Generation System)—a full-stack business-in-a-box platform for realtors.

They tackle why most agents fail, the psychology behind sphere-of-influence vs cold lead generation, and how Carlos and Dylan are teaming up to help first-time buyers through education, credit restoration, and down payment readiness. The trio drops nonstop gems on mindset, branding, habit formation, delegation, social content strategy, and navigating the “Matrix” of modern marketing. You’ll laugh, rethink your hustle, and walk away ready to delegate, automate, eliminate—and regulate.

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In this powerful and unfiltered episode of the Key Factors Podcast – Real Estate AF, host Mark Jones catches up with returning guest Dylan Shively for his fifth appearance. In this episode, the hosts emphasize the importance of giving free advice to establish credibility and build "trust". The two dive deep into Dylan’s evolution from a credit repair professional into a media entrepreneur, now co-leading Vision Partners Media. Dylan shares how he became a “trust validator,” why giving free value consistently pays off, and what it truly takes to grow in business, life, and leadership. They also explore the power of transparency, the danger of ego, and how entering the right rooms—and asking the right questions—can change your life. Packed with truth bombs, motivation, and raw real-talk, this episode is a must-listen for entrepreneurs, real estate professionals, and anyone chasing growth.

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📄 Episode Description:In this powerful and personal episode of the Key Factors Podcast – Real Estate AF (And Finance), host Mark Jones sits down with Rory Rogers—San Antonio realtor, former police officer, divorced father of twins, and real estate investor with over $3 million in acquisitions in the past year.

Rory shares his journey from buying his first home in 2005, weathering the 2008 crash, and using lessons learned to thrive in today’s market. From leveraging DSCR loans to rebuilding after a divorce that split his portfolio in half, Rory holds nothing back. This episode is packed with insights on mindset, market timing, resilience, and the power of surrounding yourself with people who push you forward.

Whether you're an agent looking to scale, an investor seeking your next move, or someone in need of a mindset shift—this episode will hit home.

🔑 Episode Summary:

• Rory’s first home in 2005 and how it opened the door to entrepreneurship
• Learning the hard way during the 2008 market crash
• Making bold investment moves in 2023 with DSCR financing
• Taking a major financial hit in his divorce—and still coming out ahead
• The difference between being in sales vs. service as a realtor
• Why being around growth-minded people is critical for success
• Rory’s framework for long-term real estate wins: cash flow, equity, tax benefits, and appreciation
• Insight into today’s shifting market and how to capitalize while others hesitate

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Why Are Loan Officers Struggling in Today’s Market? | Key Factors Podcast

The mortgage industry isn’t what it used to be — fewer deals, tighter inventory, and a new kind of buyer mindset. In this episode of the Key Factors Podcast, host Mark Jones is joined by Joel Comp, Clarisa Garza, and Nichole Aguero to unpack exactly why loan officers are struggling right now… and what it takes to break through.

We’re talking:
• How to build authentic, equal partnerships with Realtors
• Why structure, systems, and consistency are make-or-break
• The shift in buyer expectations and how to compete on value, not just rate
• The critical need to stay sharp and be a student of the industry
• And the blind spots created by over-relying on tech

Whether you’re new to the business or a seasoned LO trying to regain your footing — this episode is full of real talk, actionable strategies, and some tough love.

Listen in, level up, and don’t let this market beat you.

Subscribe for more insights from top mortgage and real estate professionals!
Watch live episodes on Facebook or listen on your favorite podcast platform.

—

Timestamps:
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What if your challenging circumstances became the very fuel that propelled you to extraordinary success? Devin Resendez embodies this powerful transformation. From growing up in San Antonio's inner city with a teenage mother to building one of the region's most successful real estate teams, Devin's journey captivates with its raw honesty and profound insights.

Devin's entry into real estate wasn't planned – it began with a negative home-buying experience that sparked a desire for change. What started as a somewhat vengeful career move evolved into a purposeful mission to serve communities often overlooked by other agents. His strategic decision to "fish where others aren't fishing" allowed him to build a thriving, recession-resistant business by focusing on underserved markets that held tremendous opportunity.

The conversation delves deep into the evolution of leadership – from Devin's early days of simply expecting agents to replicate his methods to developing a nuanced approach that helps each team member achieve their own version of success. With remarkable candor, he shares his mistakes, breakthroughs, and the pivotal mentors who shaped his growth. Particularly moving is his commitment to providing opportunities for single mothers, a direct reflection of his own upbringing and desire to create the support system he wishes had been available to his mom.

Beyond business strategies, this episode explores profound questions about potential, purpose, and the courage to continuously evolve. Devin's philosophy that "it takes no more time to be me than it does for you to be you" challenges listeners to examine what truly separates high achievers from everyone else. His remarkable story proves that with focused effort, strategic positioning, and commitment to serving others, extraordinary business success is possible regardless of where you begin.

Whether you're in real estate, entrepreneurship, or simply seeking inspiration to transform your own circumstances into advantage, Devin's journey offers a blueprint for turning life's challenges into the very foundation of exceptional achievement.

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What really separates top-producing real estate agents from those who struggle to find consistent success? Zach Castillo, co-founder of The Castillo Group in San Antonio, shares his remarkable journey from physical therapy student to real estate powerhouse, revealing the strategic mindset that's fueled his decade-long success story.

"I subscribe very early that it's all about lead generation," Zach explains, cutting through industry noise with refreshing clarity. His story is particularly compelling because it began almost by accident—from persuading a college professor to pass him so he could pursue real estate to building a team that closed 50 properties worth $10 million in their first year.

The conversation dives deep into what truly drives sustainable growth in real estate. While many chase the latest marketing trends or technology, Zach attributes his success to something far more fundamental: "I'm just going to listen to you and I applied what they said." This willingness to follow proven models rather than reinventing the wheel has been his competitive advantage.

What makes this discussion especially valuable is Zach's transparency about the challenges of team building, including the difficult lessons learned through losing team members and having to rebuild. His "prenup" approach to agent partnerships now ensures clear expectations from day one—wisdom gained through experience rather than theory.

Perhaps most compelling is Zach's evolution from defining himself entirely by his real estate success to finding greater balance and fulfillment: "If I could go back and talk to myself 10 years ago, I would say define who you are first." His practical advice for struggling agents—focus on winning just four days a week by adding one new prospect daily—offers a simple but powerful framework anyone can implement.

Ready to transform your real estate business? Listen now and discover why consistent action, proven systems, and proper tracking create sustainable success in any market condition.

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This episode delves deep into short sales and pre-foreclosures, offering clarity and guidance for both homeowners and industry professionals. Featuring expert insights from Josh Boggs, the conversation explores the current real estate landscape, the emotional aspects of navigating short sales, and the critical role of mentorship in this shifting market.

• Understanding what short sales and pre-foreclosures mean
• The challenges faced by homeowners in today’s market
• The importance of mentorship in the real estate industry
• Navigating the emotional side of short sales and their impact on families
• The role of hedge funds and investors in shaping the housing market
• Philanthropy as a key element for real estate professionals

Join us for this engaging discussion, full of valuable lessons and actionable insights that can help you thrive in an ever-changing real estate environment.

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Renee Zunker, a US Air Force veteran turned real estate maven, joins us to share her inspiring journey from military life to curating a successful career in real estate. For those of you curious about mastering the transition from service to civilian success, Renee's story is a treasure trove of insights. Her dedication to assisting fellow veterans with navigating the housing market is not just career-driven but also deeply personal, as she leverages her own experiences to guide others. Alongside her professional feats, Renee offers a glimpse into her serene farm life in Texas, where she finds balance amidst her bustling career.

We shine a light on intriguing trends and strategies in the real estate landscape, such as the emerging popularity of "van life" among Gen Z and the timeless concept of building equity through property investment. Renee generously shares her expertise on VA loans, debunking myths and outlining how veterans can utilize these benefits to secure their dream homes. Our conversation also touches on the unique challenges facing today’s real estate market, offering practical advice on how to navigate these hurdles, especially for those contemplating renting versus selling in a competitive environment.

Beyond market mechanics, Renee opens up about personal growth journeys, sharing candid experiences with burnout and self-discipline. Her story is a powerful reminder that while the path to success is fraught with challenges, it's also paved with opportunities for self-discovery and resilience. From prioritizing mental health and productivity practices to overcoming self-doubt, this episode offers a rich mix of personal anecdotes and professional wisdom. Whether you're a veteran eyeing a new career path or simply someone seeking inspiration, Renee's insights will leave you with plenty to ponder and apply in your own life.

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Guest: MarkAnthony Ball: Real Estate, Social Media, and Authenticity
Subscribe to MarkAnthony: @markanthonyball

Learn how MarkAnthony Ball became a top real estate agent by combining authenticity, discipline, and creativity. Discover tips for 2025 success, social media strategies, and more.

In this festive holiday episode of the Key Factors Podcast, host Mark Jones welcomes the remarkable Mark Anthony Ball, a San Antonio real estate powerhouse, to discuss everything from innovative strategies in the real estate industry to maintaining authenticity and confidence in the face of challenges.

Mark Anthony shares his journey from a military career to becoming a celebrated social media influencer and top-performing real estate agent. Along the way, we dive into his unique alter ego, Vivian, who brings humor and transparency to the real estate world. They tackle topics like the importance of education, staying consistent, and adapting to industry changes like the NAR lawsuit.

Whether you're a seasoned pro or a newcomer to real estate, this episode is packed with insights and actionable advice to help you dominate in 2025. Plus, get inspired by Mark Anthony's fearless approach to building his brand and helping clients.

🎄 Merry Christmas and Happy New Year from the Key Factors Podcast!

Thank you for watching this episode of the Key Factors Podcast! If you enjoyed the conversation with Mark Anthony and found value in his insights about real estate, content creation, and personal growth, don’t forget to like, subscribe, and share this video with someone who could benefit.

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🎧 Listen to the Podcast: Spotify | Apple Podcasts
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🎙 Hosted by Mark Jones, powered by ReviewMyMortgage.com.

Catch you in the next episode!

Real Estate, Mark Anthony Ball, Key Factors Podcast, Real Estate AF, Social Media Marketing, Vivian Alter Ego, San Antonio Realtor, Real Estate Tips, Building Confidence, Military Transition, NAR Lawsuit, 2025 Real Estate Strategy, Cold Calling, Real Estate Marketing, Personal Growth, Entrepreneurship, Podcast Interview

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What ignites a relentless pursuit of success? Join us for an inspiring conversation with Rudy Sedatnil, a seasoned real estate agent who shares his incredible journey from the watermelon fields of California to becoming a standout figure in the real estate world. Rudy’s story is one of perseverance, resilience, and the power of mentorship. Influenced by his grandfather's work ethic, he overcame a series of life adversities, including a legal battle and financial struggles, to craft a successful career driven by passion and integrity. Rudy's experiences teach us the value of transforming challenges into stepping stones towards achieving greatness.

Rudy’s transformative journey illustrates the importance of relationships and seizing opportunities. He delves into how he nurtured client connections, turning simple interactions into lucrative, long-term partnerships. The episode emphasizes the significance of understanding one’s purpose and the power of a proactive mindset, whether through creative real estate strategies or by leveraging social media to stay relevant in a competitive market. Rudy's narrative is a testament to the potential of hard work and authenticity in building a lasting legacy, resonating deeply with both seasoned professionals and newcomers in the field.

As we wrap up our conversation with Rudy, we explore the importance of personal growth and resilience. With anecdotes highlighting integrity, reputation, and the need to embrace vulnerability, Rudy encourages us to reflect on our own stories. He inspires us to step back, recharge, and face the world with renewed purpose and passion, reminding us that success is not just about financial gain but also about the legacy we leave behind. Whether you're a real estate veteran or just starting, this episode is sure to motivate you to pursue your own journey with authenticity and determination.

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Discover the fascinating journey of Brad Dower, a CPA who found his path to success through an unexpected route, including a transformative stint in the Marine Corps. In our latest episode of the Key Factors Podcast, Brad shares how he transitioned from the rigors of working long hours at an accounting firm to establishing his own business with a focus on work-life balance and family priorities. His story not only highlights the importance of balancing professional and personal life but also delves into the economic pressures of changing retirement ages and life expectancies. Celebrate with us as we also acknowledge our producer JC's birthday during this engaging conversation.

Shifting gears, we delve into the lucrative world of real estate and taxation, offering valuable insights for homebuyers, investors, and realtors alike. We discuss the potential tax benefits of homeownership and explore strategies for minimizing tax liabilities through real estate investments. From cost segregation studies to the differences between commercial and residential real estate investing, we cover essential tips for maximizing deductions and maintaining meticulous financial records. Learn how to leverage these insights to make savvy financial decisions and achieve greater financial success.

Finally, we unveil essential tax strategies tailored for self-employed realtors and real estate investors. Get expert advice on maintaining accurate records, maximizing deductions, and saving for taxes, while exploring the benefits of achieving Real Estate Professional status. We also dive into recent developments concerning the Beneficial Owner Information report and offer practical tips on employing family members for tax advantages. This episode is packed with actionable insights and expert advice to help you navigate the complex world of tax planning and real estate investing with confidence.

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Imagine thinking you're on the right path in real estate or finance, but ending up blindsided by unseen market shifts or unexpected personal setbacks. In this episode, we're joined by industry visionaries Lulu Bishop, JJ, and Robert Armandade as they uncover the hidden challenges and opportunities awaiting us in 2025. Lulu brings her deep-rooted passion and expertise in custom home building, JJ shares strategies honed from decades in commercial real estate, and Robert offers financial wisdom sparked by personal life events. Together, they dissect the evolving landscape and provide a toolkit for success amid uncertainty.

Listeners will leave equipped with knowledge on adapting to the ever-changing real estate market and the psychological nuances of finance. We tackle the age-old battle between short-term desires and long-term goals, underscoring the necessity of patience and strategic planning. Discover how breaking goals into actionable steps, influenced by resources like the "12 Week Year" book, can transform ambitious dreams into achievable realities. We highlight the importance of setting realistic expectations, along with a focus on mentorship and accountability as cornerstones for personal and professional growth.

Pioneering beyond traditional advice, our guests discuss the subtleties of business ethics, the power of personal productivity, and the art of maintaining focus in a world filled with distractions. Whether you're navigating real estate challenges, setting financial priorities, or seeking inspiration in your career journey, this episode promises a wealth of insights. Embrace the stories and lessons shared by Lulu, JJ, and Robert as you steer your path toward a future of resilience and success.

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[00:09:55] – Shifting Your Mindset in a Changing Market
Problem: Agents new to the industry haven't faced a changing market and don't know how to handle it.
Solution: The panel explains the importance of education, understanding absorption rates, and rethinking pricing strategies to navigate shifting markets effectively.

[00:16:25] – Adopting a Long-Term View for Real Estate Success
Problem: Relying solely on short-term goals leads to frustration and shiny-object syndrome.
Solution: JJ and Lulu emphasize creating 5-year (or even 10-year) visions, encouraging agents to look beyond annual goals, focus on long-term strategy, and avoid burnout.

[00:21:50] – Handling Buyer Objections in a High-Rate Environment
Problem: Buyers hesitate due to rising interest rates and affordability fears.
Solution: Lulu demonstrates how to set proper expectations, educate on the trade-offs of price versus rate, and show clients why waiting might be costlier than acting now.

[00:25:30] – Clarity in Communication & Educating Clients
Problem: Clients are often misinformed by social media, TikTok, and well-meaning friends.
Solution: The group discusses asking clients open-ended questions, providing reliable data, and simplifying complex concepts

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Curious about the journey from a small-town bank to the heights of Wall Street? Join us for an insightful conversation with Mauricio Sanchez, a San Antonio native and founder of Portfolio Capital Management. Mauricio shares his compelling story of transitioning from fashion aspirations to becoming a prominent figure in the finance world. Discover how a single finance course redefined his career path, eventually leading him to the high-energy finance scene of Midtown Manhattan. Together, we explore the profound influence of AI technologies on investment banking, discussing both its promising potential and challenges, shaped by generational perspectives.

Gain a deeper understanding of investment strategies tailored to life's various stages as we dive into Mauricio’s investment philosophy. From the importance of diversifying portfolios to understanding the impact of Federal Reserve policies, Mauricio provides valuable insights into making informed financial decisions. Our conversation also touches on the critical role of financial literacy, emphasizing how early education can shape future economic success. We discuss the nuanced interplay between fiscal and monetary policies, highlighting the complexities of navigating market perceptions and economic stability.

Finally, discover why real estate remains a vital investment for achieving personal and family goals. Mauricio articulates the enduring value of owning a home, not just as an asset but as a stepping stone toward fulfilling dreams. We also consider the importance of financial education in schools, advocating for a curriculum that equips young minds with the skills they need to thrive in today’s economic landscape. Whether you're an experienced investor or just starting out, this episode offers a wealth of knowledge to guide you through the evolving worlds of finance and investment.

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Unlock the secrets to a thriving real estate career as you gain firsthand insights from AJ Regattas, a veteran broker with over a decade of experience, and the dynamic Stephanie Aguillon, known for her bold transition from Hereford to San Antonio. Learn how these experts balance the unpredictable nature of the market with structured business planning, and explore how personal resilience can lead to professional breakthroughs. Their stories reveal the power of blending seasoned wisdom with fresh perspectives, providing an engaging and educational experience for anyone looking to elevate their real estate game.

In this episode, we dismantle the myth that talent alone is enough to succeed. Discover the critical role of structured business planning and goal-setting in transforming raw talent into sustained success. From setting realistic income goals to maintaining consistency during slow periods, we delve into the strategies that can keep your business thriving. Listen as AJ and Stephanie share their tactical approaches to balance, time management, and leveraging past experiences to refine future strategies. These insights serve as a masterclass on how to build a business that not only survives but flourishes in any market condition.

We also unravel the art of building a referral-based business through strategic networking and foundational activities. Find out why relying on familiar networks isn't enough and how engaging in activities like open houses and cold calling can expand your reach. AJ and Stephanie discuss the significance of creating systems, using tools like greatness trackers, and integrating personal beliefs into daily routines to enhance focus and motivation. By the end, you'll be equipped with practical, actionable advice to not only navigate the real estate landscape but to excel in it with passion and perseverance.

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What are the sacrifices that truly lead to success in the real estate industry? Our latest episode features an engaging conversation with real estate experts Jeff Garza, Ronnie Trevino, and Gilly Mendoza, who share their experiences and insights. Jeff reflects on his journey from a stable job to founding Redbird Realty, shedding light on the sacrifices and determination necessary for success in this challenging field. Gilly, on the other hand, reveals how working alongside his wife fuels his passion for real estate investing and the ambitions that drive him forward. Together, they highlight the importance of hard work, dedication, and the support of like-minded individuals.

Listeners can expect to gain valuable insights into the multifaceted world of real estate, from the San Antonio market trends to the intricacies of building successful partnerships. Ronnie emphasizes the significance of patience and adaptability, not only in achieving professional growth but also in balancing family life. Our conversation explores the essential role of effective networking and mentorship, as Gilly shares his transformative experience at a Grant Cardone mastermind. These stories underscore the importance of being in the right environment and making informed decisions to thrive in this ever-evolving industry.

Finally, we navigate the challenges real estate professionals face, from the complexities of dual agency to the need for transparent and knowledgeable partnerships. Our guests offer advice on finding the right mentors and cultivating a supportive circle that fosters growth and ambition. Whether you're an agent just starting or a seasoned professional, this episode provides a comprehensive look at the strategies, mindset, and community needed to succeed in real estate. Join us for a thought-provoking discussion that promises to inspire and guide you on your own real estate journey.

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Discover the hidden dynamics of the real estate world with special guests Jeff Garza and Chris Jacobs as we unravel the complexities of the National Association of Realtors settlement. You'll gain insights into how Texas real estate agents have smoothly adapted to new industry standards, thanks to their robust documentation practices. Jeff offers a broker's perspective on navigating regulatory changes, while Chris draws captivating comparisons between real estate and sports, highlighting the importance of understanding the broader industry shifts.

Ever wondered how complex legalities affect affordable housing? We tackle these questions by scrutinizing the roles of brokers, agents, and lawyers in shaping the regulatory landscape. Our candid discussion examines the impact of excessive legal requirements on the real estate market and debates the potential need for reducing these regulations to make housing more affordable. We also explore the risks and rewards of federal assistance programs, all while proposing innovative strategies to educate and empower potential homeowners navigating high listing durations and elevated interest rates.

Dive into the entrepreneurial mindset required for success in real estate, tackling challenges from rising property taxes in Central Texas to the pitfalls of instant gratification in the industry. We'll share transformative strategies for new agents, emphasize the importance of actionable learning, and discuss the value of quality and ethics in real estate. Join us as we explore the power of unreasonable self-belief, setting financial goals, and creating a supportive network to thrive amid competitive market demands. Whether you’re a seasoned professional or a newcomer, this episode is packed with insights to inspire and guide you on your real estate journey.

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What if you could transform raw land into a thriving community while navigating economic uncertainties? Join us for an insightful conversation with Gilly Mendoza, a seasoned real estate professional, as we explore the current state of the market. With over a decade of experience, Gilly provides valuable insights into the financial landscape, drawing from the lessons of the 2008 recession. Learn how entrepreneurial endeavors, particularly in real estate, can shape future generations, as evidenced by Gilly's daughter's newfound passion for the field.

Immerse yourself in the complex world of real estate development, where Gilly shares updates on significant land projects and career shifts. From rezoning challenges to the political aspects of development, we unravel the intricate process of turning parcels of land into profitable ventures. Gilly's experience highlights the importance of detailed site plans and stakeholder communication, offering a glimpse into the dynamic east side's evolving housing demands and the potential for mixed-use developments.

As we forecast the future of real estate amidst technological advancements, we emphasize the necessity of maintaining discipline and adaptability. Despite predicted market downturns, 2023 has brought unexpected opportunities, emphasizing the power of focus and assertive business strategies. Our discussion also touches on the evolving structure of real estate commissions and the critical role of transparency in transactions. Dive into the broader economic landscape, examining the U.S. national debt and its implications for homeownership, while empowering listeners through education and resources to make informed decisions in the ever-changing real estate market.

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Discover the secrets to thriving in the ever-changing real estate landscape with Sandra Rangel, our esteemed guest who brings 18 years of invaluable industry experience. Kicking off her real estate journey amidst the turbulent market of 2007, Sandra shares her compelling transition from corporate roles at USAA and Toyota to becoming a successful realtor. Her story is a testament to resilience and adaptability, offering both newcomers and seasoned professionals invaluable lessons on navigating economic uncertainties by returning to the basics.

Our discussion takes a deep dive into Sandra's journey of building a successful real estate business. From her workaholic drive to utilize evenings and weekends effectively, to nurturing client relationships during the 2008-2009 economic downturn, Sandra emphasizes the enduring importance of dedication, consistent effort, and adaptability. She also highlights the rewarding journey of team building, sharing key insights on strategic growth, fostering supportive environments, and understanding team dynamics to nurture future leaders in the industry.

Finally, Sandra shares how embracing social media and video content has transformed her business, underscoring the power of these tools in maintaining relevance and enhancing client connections. Overcoming her initial reluctance to be on camera, she illustrates the importance of practice and consistency, along with effective strategies for real estate video marketing. Highlighting the significance of quality equipment and content planning, Sandra reveals how authentic video content can dramatically boost client engagement and lead generation, ensuring sustained success in today's fast-paced real estate market.

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Real Estate Journey & Emotional Intelligence (Guest: Denise Bocanegra)

Join Denise Bocanegra as she shares her journey from Property Management to becoming a successful realtor. Learn about the importance of emotional intelligence, building client relationships, and navigating today's challenging real estate market.

Podcast Description:
In this episode of Key Factors Podcast: Real Estate AF, host Mark Jones sits down with Denise Bocanegra, a dedicated realtor with deep insights into real estate's complexities and emotional intelligence. Denise shares her journey, from beginning in property management to overcoming fears of commission-based income. She highlights her strategies in client communication, the significance of understanding a client's goals, and the role of emotional intelligence in building lasting client relationships. Dive into practical advice on adapting to current market challenges, the evolving role of real estate agents, and empowering buyers and sellers with knowledge to make informed decisions.

🎙️ New Episode Alert! 🎙️
This week on Key Factors Podcast: Real Estate AF, host Mark Jones speaks with Denise Bocanegra, a passionate realtor who shares her journey from property management to thriving in real estate. Learn how emotional intelligence, genuine connections, and market adaptability make all the difference in real estate success. Denise’s insights on setting boundaries, understanding client needs, and managing expectations are a must-listen!

Tune in to discover how emotional intelligence can be a game-changer in real estate! 🎧 #KeyFactorsPodcast #RealEstateAF #RealEstateJourney

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Unlock the secrets to thriving in the competitive world of real estate photography with insights from Rick Garza, founder of Brighton Early Productions. Discover why creativity alone won't cut it, as we explore the vital technical skills and additional services like video and 3D tours that can elevate your business. With over 15 years of experience, Rick shares his journey from club photography to mastering real estate media, emphasizing the importance of treating photography as a business and the patience required to see growth.

Hear an inspiring story of resilience and adaptability from a former event photographer who transformed personal struggles into a passion-driven career. We discuss the challenges of transitioning from weddings to real estate, and the role supportive relationships play in motivating change. Learn how early experiences in unconventional sales can lay the groundwork for business success, even without formal training or resources.

Explore the multifaceted role of storytelling and market dynamics in real estate photography. We highlight the importance of professional imagery, statistics that demonstrate increased sales, and the power of a cohesive team approach. Discover strategies for navigating the economic waves of the industry and the significance of leaving a compelling first impression. With expert advice and relatable narratives, this episode is a treasure trove for anyone looking to turn their passion for photography into a thriving business.

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Navigating Mortgage Complexities & Builder Market Insights

Discover mortgage tips, industry insights, and builder strategies from veteran loan officer Lisa Alonso. Learn how today's loan market, new construction trends, and personal financial strategies affect your journey to homeownership.

Podcast Description: In this episode of Key Factors Podcast: Real Estate AF, host Mark Jones is joined by veteran loan officer Lisa Alonso to break down the real side of mortgages. They discuss the advantages and hurdles of working with builders, navigating loan guidelines, and the hidden factors in today's mortgage landscape. Tune in to uncover critical insights into VA loans, the power of forward commitments, and how new construction pricing impacts home affordability. Whether you’re a first-time buyer or industry pro, this conversation brings transparency to the process and provides valuable advice for securing your financial future.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
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What if you could revolutionize the credit repair industry with just one bold move? Dylan Shively returns to our podcast, sharing his innovative strategy that could change the game forever. By offering lifetime access to credit repair services for a one-time fee, Dylan challenges traditional business models, setting a new standard for customer value and ethical practices. Discover how this approach not only enhances efficiency but also simplifies the often complex credit repair process, empowering clients to take control of their financial futures with a self-service portal.

Dive into the ethical intricacies of the mortgage industry as we explore the controversial use of trigger leads. Dylan and I discuss how these tactics can disrupt consumer privacy and erode trust, raising questions about the long-term implications for industry reputation. We also touch on the financial benefits companies derive from these leads, drawing parallels to problematic strategies seen in political arenas. It's a candid examination of the pressures and responsibilities that come with industry innovation and consumer advocacy.

The conversation takes an inspiring turn as Dylan recounts his experience on the reality TV show "The Blocks." From contestant to judge, he shares valuable insights on building a personal brand and the power of consistent, authentic engagement. Together, we explore how embodying your brand in everyday actions can lead to lasting connections and meaningful growth. Whether it's through Vision Partners Media's guidance on video production or simple acts of relationship building, Dylan's journey underscores the impact of genuine interactions and the importance of helping others without expecting immediate returns. Join us for an episode packed with actionable insights, heartfelt stories, and a vision for a more transparent and supportive industry.

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Unlock the secrets to building a thriving real estate career by mastering the art of authentic networking and strategic recruiting. Our latest episode promises to transform your approach to relationships and time management, ensuring you align with partners who truly understand your vision. With insights from industry experts like Scott Maloof and Dayton, we explore the mindset shifts necessary for roles like transitioning from a lender to a realtor or recruiter, and how these changes can complement broader industry strategies. Gain a fresh perspective on the evolving landscape of real estate, where personal growth and professional success go hand in hand.

Step into the future of real estate, where we ponder the industry's evolution, drawing on intriguing concepts like alternate universes and divine intervention. Discover how keeping busy can sometimes obscure the bigger picture, and why advising clients beyond the basics is key to establishing trust and credibility. We reflect on an inspiring mastermind event in San Antonio, featuring local legends who shared their wisdom and set the stage for future discussions on transformative topics. By embracing proactive communication and structured approaches, you'll learn how to navigate the complexities of the real estate market with confidence.

Explore the fascinating world of revolutionary real estate models, as we take a closer look at LPT Realty's hybrid brokerage approach. With a focus on agent empowerment through innovative marketing and compensation strategies, this episode reveals how founders like Robert Palmer are redefining the industry. From leveraging video marketing to building high-quality relationships, we emphasize the importance of persistence and proactive engagement in overcoming challenges. Join us in this engaging conversation that promises not just strategies and insights, but a new way of thinking about success in real estate.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
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Ever wondered how a bartender and construction worker could pivot into a successful career in real estate finance? Join us as we chat with JT, a seasoned loan officer with 17 years under his belt, sharing his journey from mixing drinks in San Antonio to mastering the world of mortgages. JT opens up about the early days, when he was inspired by the affluent lifestyles of lenders and made the bold leap into a commission-only role before the Dodd-Frank era reshaped the industry. His story is filled with humor, grit, and the kind of determination that makes you believe anything is possible if you're willing to hustle.

But JT's journey is more than just numbers and loans; it's about personal growth and transformation. We dig deep into his bold strategies in the competitive real estate market, like his innovative approach to For Sale by Owner properties. With insights into the power of a purpose-driven mindset and the role of spirituality in amplifying success, JT shares how supportive relationships and accountability are crucial for achieving big wins. Learn how marrying the right partner can be like having a personal coach, driving you to new heights, and why the thrill of the chase in business is only rivaled by the fulfillment found in collaboration.

The conversation doesn't stop there. JT shares his vision for the future, navigating the challenges of rising interest rates and financial setbacks while aspiring to become a top recruiter globally. He opens up about the difficult choices in entrepreneurship, including the hard decisions that come with letting go of team members. Yet, through adversity, JT remains focused on serving underserved clients and seizing new opportunities, like those at LPT Holdings. Whether you're in real estate or simply enjoy a good story of resilience and reinvention, this episode offers a refreshing perspective on working smart and embracing change, with a sprinkle of humor along the way.

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How can a dedicated fourth-grade teacher end up living in his car despite earning $53,000 a year? Discover the heartbreaking story of Bill Atkinson, whose financial struggles exemplify the broader crisis of low teacher salaries in Texas. With insights from Ovidia Molina, president of the Texas State Teachers Association, and experts like Martin Tirado and Leah Arndt, we explore the systemic issues that have pushed educators like Bill to the brink and the urgent need for increased wages and greater support.

Financial responsibility can be a minefield, especially for middle-class individuals and educators burdened with debt. We share personal anecdotes and practical advice on navigating the complex landscape of homeownership, maintaining good credit, and overcoming common financial misconceptions. Our conversation sheds light on the unique challenges teachers face, especially as single parents, and the limited opportunities available to them to build wealth through real estate.

Empowering the next generation with financial literacy is crucial, and we dive into innovative solutions that can make a tangible difference. From the PadSplit concept to teaching children the value of saving and responsible spending, our guests provide actionable insights that listeners can implement in their own lives. Celebrate with us as we reach 10,000 subscribers, and thank you for being part of this journey. Your engagement fuels our mission to bring you valuable and thought-provoking content.

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Get ready to explore the pivotal role of housing in economic resilience with our distinguished guests, John Hudson and Brianna Jones. We're unpacking the latest residential construction trends, job data, and the impact of lower interest rates on the housing market. Learn about the Federal Reserve's shift from prioritizing inflation to focusing on growth, and how this move is influencing market reactions, particularly for small caps and high-quality stocks. This episode is packed with insights for managing your portfolio strategically in the current economic climate.

Do Kamala Harris's plans to build three million new homes and Donald Trump's opportunity zones hold the key to solving the affordable housing crisis? We dive into a critical examination of these proposals, considering their feasibility and potential impacts. We discuss the intricate balance between federal and state powers, and how current and future administrations' policies could shape the housing market. From regulatory barriers to economic issues, this debate covers all the angles of affordable housing policy.

In our final segments, we discuss practical solutions and advocacy for prospective homebuyers, including the intricacies of a proposed $25,000 down payment assistance program. We emphasize the importance of financial education and professional guidance in the home buying process. From the benefits of zero-down payment FHA loans to the critical role of trustworthy loan officers, we cover it all. Tune in to gain a comprehensive understanding of the challenges and opportunities in today’s housing market, and walk away with actionable insights for navigating homeownership.

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Get ready for some real talk on financial struggles as we address the often misleading perceptions of success perpetuated by social media. Preston shares his personal story of transition and success, emphasizing the significance of educating young people about financial literacy. We advocate for a game-based approach to financial education for youth, making lessons relevant to everyday life. Our dialogue extends to the evolving job market, the rise of remote work, and the global competition that demands adaptability and entrepreneurship, all while stressing the importance of personal decisions and perseverance.

Finally, we'll explore the intricate world of investment strategies and real estate. Discover how changes in Japan's interest rates ripple across global markets, impacting everything from stock investments to real estate transactions. We also discuss the benefits of homeownership versus renting and the significant role of financial education in navigating these decisions. Joseph Milhouse brings his expertise to the table, offering nuanced perspectives on market trends and financial advising. Celebrate with us as we reach 9,000 subscribers, and join our commitment to providing valuable content aimed at financial empowerment and resilience.

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Ready to tackle the $35 trillion U.S. national debt? Join us as we bring in Kevin O'Leary, renowned Shark Tank investor, to present his ambitious proposal: tapping into the Arctic National Wildlife Refuge for oil extraction and channeling the profits towards debt reduction. We dissect his plan, drawing parallels to Norway's sovereign wealth fund, and debate the legislative safeguards necessary to ensure these funds are allocated correctly. With hosts Mark, Andy Hilger, and John Hudson, we navigate the complexities of the U.S. debt clock and its economic ramifications, stressing the urgency for viable solutions and fiscal responsibility.

Ever wondered why the stock market’s success doesn’t seem to benefit everyone? We break down the staggering economic disparities where the top 10% reap most of the benefits, leaving the bottom 50% with barely a sliver of the pie. We challenge the misconception that a booming stock market can offset the national debt, analyzing the economic policies of political candidates and the critical need for spending cuts to combat inflation and safeguard family finances and retirement savings. This chapter underscores the pressing need to reevaluate our economic strategies.

Shifting gears, we scrutinize the ways the U.S. government generates revenue and the effects of "printing money" on inflation and interest rates, examining how these policies impact consumer affordability and the housing market. The conversation pivots to the BRICS coalition's efforts to establish an alternative trading system, the historical petrodollar agreement, and current geopolitical tensions. Finally, we tackle the challenges of financial literacy and the importance of staying informed in an era rife with misinformation. This episode is a treasure trove of insights, perfect for anyone eager to understand today’s economic landscape.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
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What if you could turn your financial struggles into a triumphant success story? Join us on the Key Factors Podcast as we chat with Whitney Robinson, a realtor who has navigated a winding road from a small Virginia town to a thriving career in real estate. Whitney's journey is a testament to perseverance and the power of financial literacy, shaped by early experiences in a single-parent household and an eclectic career path that spans from waitressing to wealth management at Wells Fargo.

Whitney opens up about the emotional and financial challenges she faced, sharing poignant moments that reveal the depth of her resilience. From childhood curiosities about money to the harsh realities of being judged by appearances, her story underscores the importance of managing limited resources and finding hope through biblical lessons. Whitney also delves into the complexities of co-parenting post-divorce, the significance of emotional intelligence, and how maintaining authenticity can foster genuine relationships both personally and professionally.

But the wisdom doesn't stop there. Whitney dishes out invaluable advice for real estate professionals, from strategic marketing tactics to financial planning for those living on commission. Whether you're inspired by stories of house-flipping triumphs or looking for tips on emotional check-ins with your kids, this episode is packed with insights. Whitney's narrative is a powerful reminder that success isn't just about financial gain; it's about emotional growth, genuine connections, and staying true to yourself along the way. Don't miss out on this episode packed with heart and strategy!

Topics Covered:
Introduction and Background: Mark introduces Whitney Robinson, highlighting her faith-based approach to overcoming life's challenges and her journey from a small town in Virginia to a thriving career in Texas.

Early Life and Financial Trauma: Whitney opens up about her upbringing in a small town, the financial struggles her family faced, and how these experiences shaped her understanding of money and financial literacy.

Career Before Real Estate: Whitney discusses her diverse career path, including waitressing, retail, and working in wealth management and business banking. She shares her experience working for Wells Fargo and the pivotal moments that led her to real estate.
Transition to Real Estate: Whitney describes the significant life changes she faced, including moving to Texas, the death of her father, and becoming a new mother. She explains how these events led her to pursue a career in real estate and the challenges she overcame in her first year.
Emotional Intelligence and Forgiveness: The conversation delves into the importance of emotional intelligence (EQ) and relational intelligence (RQ). Whitney shares her journey of forgiving her father and maintaining a positive relationship with her ex-husband for the sake of her son.

Building a Real Estate Career: Whitney offers practical advice for new real estate agents, emphasizing the importance of asking questions, shadowing professionals, and putting in the extra work without expecting immediate returns. She stresses the value of authenticity and building relationships based on trust.

Marketing and Personal Branding: The discussion highlights the significance of marketing, social media presence, and staying true to oneself. Whitney shares her strategies for leveraging social media and creating engaging content to build her bra

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Imagine being laid off from a stable job at the Bank of San Antonio while raising a family. That's exactly what Moses Thatcher faced, and his emotional journey from frustration to resilience is nothing short of inspiring. Listen as he opens up about the challenges of unemployment, the unwavering support from his family, and how he balanced the responsibilities of child support while embarking on a new career in real estate. Moses' story is a testament to the power of adaptability and determination in the face of adversity.

Starting a new career with minimal financial resources is daunting, but Moses proves that it's possible with the right mindset and sacrifices. From cutting out luxuries to prioritizing essentials, learn about the practical decisions that paved the way for his success in real estate. We also tackle the importance of authenticity in business, the pitfalls of superficial success, and the critical role of building supportive professional relationships. Through practical business strategies and personal growth stories, discover how investing in oneself and others can lead to genuine success and fulfillment.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
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Discover the transformative power of emotional intelligence in sales and leadership with our special guests, Joey Rodriguez and Katie Hasson. Joey, a loan officer who pivoted from the food and beverage industry to the mortgage sector, shares his unique journey and insights. Katie, a seasoned sales and leadership coach, explains how her diverse background—from selling books door-to-door to coaching professionals—shapes her approach to personal and professional development. Together, they reveal the secrets to aligning personal values with behavior and recognizing different behavioral styles to improve sales strategies and business relationships.

Learn how emotional intelligence can be the game-changer in understanding and managing both your emotions and those of your clients. We break down the four critical areas of EQ: self-awareness, self-management, social awareness, and social management. Joey and Katie share real-world examples to illustrate the importance of maintaining core routines while being adaptable, recognizing verbal and non-verbal cues, and using self-awareness to enhance interactions. By understanding the four behavioral styles—fighter, detective, entertainer, and counselor—sales professionals can tailor their approach to connect more effectively with clients.

Unlock the potential of meaningful conversations and build trust through emotional intelligence. We explore how empathy, genuine care, and strategic thinking can improve client relationships and drive better sales outcomes. From the initial discovery phase to closing deals and asking for referrals, our discussion emphasizes the importance of listening, asking the right questions, and demonstrating vulnerability. Tune in and discover how continuous practice and self-awareness can help you master EQ, strengthen professional relationships, and inspire others on their journey. Thank you for being part of this insightful exploration into the role of emotional intelligence in sales and leadership.

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What if the journey from organizing backyard parties to conquering the real estate market held the secret to career transformation? Join us as Moses Thatcher candidly shares his incredible journey from nightlife club promoter to a successful real estate professional. Discover how his early experiences and decision to stay alcohol-free until 21 shaped his path, and learn the importance of building genuine connections with clients. Moses' dedication to family and his commitment to his core values serve as the foundation of his work ethic and success in real estate.

In this episode, we delve deep into the critical need for financial literacy, especially for those raised with a cash-only mentality. Hear firsthand from Moses about the psychological challenges of managing large sums of money and the pitfalls of financial mismanagement. We'll discuss practical advice on credit scores, debt management, and creating better financial habits that can lead to long-term stability. Our conversation sheds light on how comprehensive financial education can break cycles of financial stress and foster lasting financial health.

Finally, we shift our focus to overcoming adversity and the power of self-accountability. Moses and I explore the importance of moving past failures, the reality of hard work and resilience, and how mentorship and the right relationships can propel you to success. We wrap up by highlighting the significance of maintaining a positive attitude, learning to be a supporter rather than a detractor, and the transformative impact of personal growth and sobriety. Don't miss these valuable insights and inspiring stories that can guide you on your own journey to success.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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What if you could transform your real estate career by learning from the best? In this episode, we meet Carlos Kabzawa and Chris Jacobs, the powerhouse real estate agents who have successfully transitioned from military service and extensive sales backgrounds to dominating the real estate market. They share the mission behind their new venture, "Just One More Podcast," which aims to shed light on topics beyond real estate, from supporting veterans and first responders to promoting local businesses in San Antonio. Their stories are not just motivational but also packed with practical advice on how mindset and effort play crucial roles in overcoming market challenges.

Navigating today's real estate market can be tricky, but Carlos and Chris are here to demystify it for us. We delve into the nitty-gritty of pricing homes realistically, understanding the true value of properties, and the nuances between median sales prices and actual home values. With interest rates hovering around 6.8%, the duo discusses strategic marketing and buyer hesitancy, emphasizing the need for realistic pricing. They offer invaluable insights into ongoing market corrections and the importance of strategic planning for both buyers and sellers to thrive.

Lastly, we explore the critical aspects of buyer representation agreements and the expertise required to navigate these complex contracts. Carlos and Chris highlight the importance of clear communication and mentoring in the real estate industry, stressing the value of building lasting relationships over mere transactions. From understanding the financial intricacies to mastering the art of negotiation, this episode is a goldmine of knowledge for anyone involved in real estate. Tune in for expert advice, personal stories, and actionable strategies that can elevate your real estate game.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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Ready to uncover the truth about VA loans and shatter some long-held myths? Join us as we toast with Don Julio and celebrate our birthdays alongside John Hurd of the John Hurd Team. John shares his inspiring journey from his roots in San Antonio and his service in the Marines, to becoming a respected mortgage professional. Our conversation underscores the critical role of honesty in setting expectations, a principle that has greatly benefited our clients and careers.

Are you confused about VA loan eligibility, especially for spouses and active duty members? This episode is your guide to understanding the intricacies of VA loans. We tackle common misunderstandings, such as the myth that VA loans can only be used once, and explain the unique Tidewater process for VA appraisals. You'll also learn about recent changes tying appraisals to veterans rather than properties, and how these developments ensure a fairer home valuation.

Curious about the current mortgage market trends and how they impact you? We delve into refinancing options like the IRRRL and the benefits of switching from conventional to VA loans. We dispel the notion of hidden fees and highlight the advantages of VA loans, such as potential exemptions from property taxes for veterans with higher disability ratings. Don't miss our discussion on the resilience of the Texas real estate market and our predictions for future interest rates. Join us for a heartfelt celebration of our first podcast episode and gain invaluable insights into the world of VA loans!

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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What if you could transform your financial constraints into entrepreneurial success? Join us as we sit down with Jade and Eric Flores, seasoned experts in real estate and finance, who reveal their experiences in hard money lending, property flipping, and property management. Jade sheds light on managing a hard money lending company in Central Texas, focusing on loans for fix-and-flip projects and rental properties, while Eric shares insights on handling the construction aspects of their ventures. This episode is packed with eye-opening discussions on the benefits and risks of hard money loans, debunking common misconceptions, and the importance of having some capital and meeting basic credit requirements.

Ever wonder why some real estate investors fail and others thrive? Discover the significant knowledge gaps that realtors face when transitioning into real estate investments and the pitfalls of misguided mentorship. We recount our first unsuccessful flip and the costly mistakes we made due to poor guidance and incorrect property evaluations. Through personal anecdotes, we emphasize the importance of vetting contractors and accurately estimating costs upfront to ensure a successful investment. This episode also explores the transformational journey from financial struggle to entrepreneurial success, highlighting a critical wholesale deal that helped us break free from financial constraints.

Curious about balancing professional and personal lives in a business partnership? Tune in as we delve into the dynamic interplay between different personalities and skill sets, particularly when working closely with a spouse. We share our experiences on effective communication, organization, and maintaining harmony in both business and marriage. Additionally, we touch on the current real estate market trends, project management tools, and offer invaluable advice for aspiring investors. Whether you’re a seasoned professional or just starting, this episode is brimming with practical tips and strategies to navigate the real estate landscape successfully. Don’t miss out on valuable insights that could propel your real estate journey to new heights!

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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Welcome back to another episode of Key Factors Podcast, where we dive into the world of business and entrepreneurship. In this episode, we are joined by Blanca Abu, the Vice President at Engage PEO, who brings a wealth of knowledge about the PEO (Professional Employee Organization) industry and its impact on modern businesses. We discuss the critical roles of PEOs in enhancing cost efficiency, employee benefits, compliance, and technological advancements to help businesses thrive. Blanca also shares insights on the current economic landscape, workforce trends, and the strategic importance of returning to the office. Tune in to gain valuable insights that could transform the way you manage your business operations.

Key Topics Discussed:
Introduction of Blanca Abu and Engage PEO [0:07 - 1:36]
Benefits of using PEO for businesses [1:37 - 5:35]
Impact of technological advancements on businesses [5:36 - 6:45]
The significance of returning to the office post-pandemic [6:46 - 10:03]
Challenges in recruitment and maintaining company culture [10:04 - 12:59]
Overview of the current economic climate and its impact on employment [13:00 - 18:50]
Discussion on home affordability and the potential role of PEOs [18:51 - 20:00]

Get in Touch with Them:

Blanca Abbud
Vice President of Sales, Engage PEO

Email: blanca.abbud@engagepeo.com
LinkedIn: Blanca Abbud
Website: Engage PEO
Mark Jones
Host, Key Factors Podcast

Email: info@ithinkmortgage.com
Website: iThink Mortgage

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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Ever felt like the hustle of your career is pulling you away from what truly matters? John Hudson did, and a trip to Disney World was the eye-opener he needed. Tune in as John, a mortgage industry veteran with 26 years under his belt, shares the heartfelt story behind his decision to start his own company. Discover how the relentless demands of his past roles and the noticeable lack of expertise among newer loan originators fueled his passion to make a difference. John dives deep into the world of mortgage structuring, income calculation, and compliance, revealing the intricacies that newer professionals often overlook.

In this episode, we also dissect the role of down payment assistance programs in today’s mortgage market. You'll hear all about an innovative 0% down program from the largest wholesaler in the country, along with its potential benefits and ethical dilemmas. John’s candid discussion about responsible marketing practices is a must-listen for anyone involved in real estate. Whether you're a seasoned investor or just curious about the mortgage sector, John's insights and experiences offer valuable lessons and practical advice for navigating this dynamic industry. Don’t miss out on this engaging, informative conversation that’s packed with actionable takeaways.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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Embark on a transformative journey through the landscape of credit and real estate with me, Mark Jones, as I sit down with JP, the Regional Director for UQUAL. Our candid conversation unravels JP's personal evolution, from the early credit card blunders as a new immigrant to becoming a pivotal figure in the credit industry. Together, we dissect the challenges minority communities face in securing loans and the legacy of discriminatory practices like redlining. Through our dialogue, we illuminate strategies to enhance financial standing and credit scores, revealing the intricate dance between credit repair, real estate, and wealth building in America.

As we navigate the ever-shifting mortgage industry terrain, I reveal how UQOL is redefining the customer experience, fostering a more attainable dream of homeownership. We discuss the resilience of the housing market, despite doomsayers forecasting its downfall, and delve into consumer mindsets that shape the approach to first-time home buying. Providing a beacon of hope, I reflect on the transformative effect of financial literacy and education, key components housed in our Learning Center, designed to empower individuals on their path to property ownership.

In this engaging episode, JP and I confront the myths surrounding credit scores and financial algorithms, debunking misconceptions that cloud sound financial decision-making. We tear down the walls of misinformation about credit utilization, offering actionable advice for building a robust credit foundation. By the end, our heartfelt conversation aims to arm you with knowledge, embolden you to embrace financial education, and ultimately witness the life-changing power of credit and real estate. Join us for an episode that's not just about numbers, but about the stories and lives they affect.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 needed to thrive through decades of economic shifts.

This episode is more than just an entrepreneurial chronicle; it's an intimate glimpse into the transition of leadership within a family business. Don shares the emotional and practical nuances of passing the torch to his son, ensuring that the foundational values and legacy of Mann Mortgage endure. It's a testament to the power of familial bonds and the importance of nurturing the next generation to foster growth and innovation.

Housing is more than walls and a roof—it's the cornerstone of stability and prosperity for many. As we explore the transformative impact of homeownership, particularly for those breaking the cycle of generational renting, we uncover how mortgages do more than finance homes; they finance dreams and legacies. Join us for a heartfelt journey that celebrates the milestones of property ownership and the profound influence it has on individuals, families, and communities at large.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 agents and brokers. Join us as we explore with our guests, Martin Tirado and Anthony Almaguer, with REAL Brokers in San Antonio, Texas, the nuanced differences between these roles and how they impact team dynamics and business growth in the ever-competitive real estate landscape.

Episode Highlights:

Introduction to Real Estate Dynamics (0:00-2:00):
Mark Jones sets the stage, introducing the podcast’s mission to meld knowledge with ambition, aiming to empower real estate professionals and enthusiasts with cutting-edge insights and actionable advice.

Agent vs. Broker – Roles and Growth Paths (2:01-15:29):
Our guests delve into the critical differences between agents and brokers, discussing how these roles evolve as professionals advance in their careers. They cover the strategic decisions involved in growing real estate teams and the impact of these decisions on business scalability and personal growth.

Transitioning Skills from Other Industries (15:30-27:59):
Anthony shares his journey from the fitness industry to real estate, highlighting how skills from other sectors can significantly boost one's success in real estate. This segment is particularly inspiring for newcomers transitioning from various backgrounds, emphasizing adaptability and the transfer of versatile skills.

Navigating Market Shifts (28:00-40:59):
As the market continuously evolves, our experts discuss the importance of adapting to changes, such as obtaining a broker's license and the strategic timing for such moves. This part of the discussion focuses on aligning professional credentials with market needs and personal business goals.

Emphasizing Innovation in Practices (41:10-52:19):
The conversation shifts towards innovation in real estate practices. Our guests discuss the necessity of embracing change and leveraging innovative approaches to stay ahead in a competitive market. This segment is crucial for professionals aiming to differentiate themselves and excel in a crowded marketplace.

Building and Demonstrating Value (52:20-1:04:00):
Here, the focus is on how real estate professionals can effectively communicate and demonstrate their value to clients, crucial for justifying commissions and building trust. This part is packed with actionable tips for enhancing visibility and proving worth in both the eyes of clients and peers.
This episode is not just a podcast but a masterclass for anyone passionate about mastering the art of real estate. Whether you’re starting your journey or looking to sharpen your skills further, the insights shared here will equip you with the knowledge to navigate through the complexities of the property market successfully.

Let's Connect :

We love to hear from our listeners! If you have any questions or need more insights on specific points discussed, please leave a comment below. Don’t forget to like, subscribe, and share this episode if you find it enlightening and helpful. Your engagement helps us grow and continue bringing valuable content to you.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
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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 will leave you questioning the very nature of motivation and the role it plays in shaping our professional journeys.

As we tackle the concept of generational laziness, we unearth the societal shifts influencing productivity across different age groups. From the lingering effects of the pandemic to the integration of Gen Z into the workforce, we break down the myriad of elements affecting drive and ambition. Our exchange sheds light on the potent mix of social influence and technological saturation that has come to define our times. Kendra's real-life experiences add depth to our discussion on the importance of hands-on learning, setting realistic targets, and the art of doubling down on one's efforts to stand out in a competitive industry.

Wrapping up with actionable insights for anyone with a stake in real estate, we touch upon the essential strategies for navigating market trends and investment opportunities. Kendra and I dissect the high turnover in real estate, the necessity of foundational skills, and the true meaning of "fake it till you make it." We also emphasize the crucial role of face-to-face interactions in building a successful career and the impact of personal accountability on long-term achievement. If you're looking to get ahead in real estate or simply crave a deeper understanding of what drives us to succeed, this is an episode you won't want to miss.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 authenticity and the wisdom of lived experience, offers a beacon of hope for anyone navigating the often-turbulent waters of self-improvement.

The conversation seamlessly weaves through the delicate tapestry of life's many facets—leading us through Steve's seasoned insights on balancing a bustling real estate career with the richness of family life and spiritual growth. With over two decades of experience and a familial crew of seven, Steve doesn't just sell homes; he embodies the principles of leadership and personal development he preaches. He peels back the layers on the profound influence of empathy and understanding love languages in business and personal relationships, providing actionable wisdom for anyone looking to deepen connections and drive their career forward.

As we round out this enlightening dialogue, Steve underscores the pivotal role of coaching in personal evolution and the courage it takes to embrace growth, even when fear and failure loom large. He champions the idea that accountability is the linchpin of success, sharing poignant stories of breaking free from limiting beliefs and the generational echoes of scarcity. Steve's narrative culminates in a compelling call to action: to seek joy, shun drama, and steadfastly pursue the best version of oneself through the transformative power of coaching and the willingness to leap into the unknown. Join us for an episode that doesn't just paint pictures of success but gives you the palette and brushes to create your masterpiece.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 rejection not as a setback, but as the motivation to build a legacy, and for anyone who's ever believed that a family-like business environment can indeed be created and nurtured.

Let's peel back the curtain on the real estate industry's best-kept secrets and the power of community, as I chart my own rise from a bright-eyed '30 under 30' awardee to a leader in the Young Professionals Network (YPN) within the National Association of Realtors (NAR). Philip and I dissect the anatomy of a successful real estate career, discussing the hurdles of starting up, the innovative strategies that keep us ahead of the curve, and the personal growth that comes from mentorship and true passion for the field. If you're looking to get a leg up in the world of real estate or merely curious about the inner workings of this dynamic industry, pull up a chair and tune in for some genuine, experience-driven insights.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 in real estate transactions.

Peel back the layers of any successful agent's story, and you'll often find a saga of resilience and faith. That's precisely what unravels as we traverse the rocky path to triumph in the real estate landscape with our guest. Discover how a partnership with Scott Maloof became a cornerstone for growth, and delve into the emotional complexity behind professional journeys. It's not just about the licenses and listings; it's about overcoming life's hurdles, like parental divorce, and emerging with a vision for a career that's as robust as the homes we sell.

Balance—it's a term as crucial to architecture as it is to our lives. In this heart-to-heart, we tackle the juggling act of maintaining a booming business alongside personal joy. The conversation shifts gears, revealing the real estate industry's dance with commission adjustments, and how transparency becomes our compass in the murky waters of builder and realtor disputes. In sharing these insights, we illuminate the power of relentless service, community ties, and why, at the end of the day, it's the satisfaction of our clients and the strength of our relationships that construct the foundation of lasting success.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 grit and determination needed to thrive in real estate.

Witness the transformative power of a well-structured team and the magnetic pull of a supportive environment in our latest episode. As we unravel the creation of my real estate team, you'll appreciate the significance of continuous mentorship and how Mindy Dennis's legacy of excellence in training became our brand's hallmark, long after her departure. The narrative unfolds to reveal how these practices became a beacon for attracting exceptional talent, reinforcing the importance of a nurturing team dynamic in the competitive realm of real estate.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 lead to severe penalties.

Imagine navigating a labyrinth of mortgage advertising regulations without a map. This episode serves as your compass, highlighting the fine balance between genuine promotion and deceptive practices. With the support of my guest, we dissect the critical role of clear communication in financial dealings, illustrating how perplexing jargon and unclear offers can invite the ire of the CFPB and consumer complaints. It's an insider's guide for loan originators on how to safeguard consumer trust and ensure your marketing materials can weather regulatory storms.

As we peer into the future of real estate, we tackle the contentious issues of realtor commissions and the evolving public perception of the profession. The stakes are high, with lawsuits challenging traditional commission structures, potentially reshaping buyer representation. We share insights on market dynamics and the indispensable role of home builders, stressing that robust homeownership and community stability hinge on the shoulders of those who advocate for educational outreach and professional excellence. Tune in for a thought-provoking exploration of the standards that will define the future of real estate.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 of trust and the strategies professionals like us employ to shield our clients from unwanted solicitations.

Amidst the industry shakeups, we discuss the appointment of Jonathan Haddad as CEO of AIME and the ethical questions surrounding his company's engagement with trigger leads. Our conversation extends to the influence of builders' lenders in the home construction market, uncovering potential conflicts of interest and the importance of client education in financing options. We navigate the ethical maze of trigger leads and share personal anecdotes that highlight the significance of maintaining integrity in the mortgage process.

Cap off the episode with a critical look at the incentives and transparency—or lack thereof—in home buying, particularly within the new construction sector. We dissect the tactics used by builders to control market values and the ramifications for buyers who may be lured by seemingly attractive deals from in-house lenders. Sharing stories from the front lines, we underscore the complexities of this dynamic and why educating our buyers is more crucial than ever in making informed decisions in today's real estate market. Join us for a compelling exploration into the forces shaping the mortgage industry and the quest for a more ethical and consumer-friendly approach.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 championing these developments as a catalyst for much-needed transformation.

Embark on a journey through the trenches of real estate with us, where we debunk myths and illuminate the overlooked sacrifices of agents. The discussion delves into the tumultuous work environment of agents, who often go without pay while managing life's most pivotal events. We confront the harsh criticism the industry faces, advocating for the unrecognized value agents bring to the table. This conversation is a testament to the agents' unwavering commitment and a clarion call for a fair evaluation of the commission structure.

As we peer into the future, we're joined by our guests who share their experiences and competitive insights, considering the broader economic ramifications of the evolving real estate landscape. In a world where technology and regulation are in flux, we ponder the rise of more supportive networks within brokerages, the strategic navigation of commission negotiations, and the potential reshaping of professional communities. Don't miss this deep dive into the heart of real estate's transformation, where we invite you to witness the confluence of challenge, innovation, and opportunity.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 military families.

Unveil the stepping stones from homeowner to landlord, as we dissect how property management companies like Janice's are indispensable in the rental market, making the investment journey seamless for landlords. Drawing from Janice's extensive experience, we shine a light on the critical importance of a meticulous tenant vetting process and share tales from the front lines that underscore the direct correlation between careful tenant selection and investment success. The rental market's current challenges are laid bare, with a candid discussion on the pressing demand for affordable housing and how the pandemic has reshaped market expectations.

Finally, we pivot to the transformative power of real estate education, demystifying the homeownership process for renters and advocating for a collective effort to bridge the information gap. As we dissect the real estate investment landscape, Janice and I offer insights into the wealth-building potential that lies within, irrespective of one's starting point. Concluding with pearls of wisdom for upcoming property managers, this episode is a treasure trove of expert advice, best practices, and a testament to the philosophy of building trust through transparency. Join us for a robust discussion that could very well redefine your view on the rental game.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 not deliver on their promises.

Dive headfirst into the murky waters of real estate misinformation with us; dismantle the myths surrounding that infamous 6% commission rate. With John's expertise, we peel back the layers of the industry, revealing how realtors must now compete not just with each other but with clients' growing savvy, fueled by online resources. Our conversation pivots to the real investment required for success — not just financial, but in relationships, branding, and adapting to technology that's reshaping the industry.

Lastly, we leave no stone unturned in examining the real estate profession's future. John Story imparts wisdom on the value of transparent business strategies and the importance of reinvesting in one's growth. Be inspired to reevaluate how you approach client service, embrace change, and cultivate genuine connections in a landscape where being informed is just as critical as being influential. Join us for a session that promises to redefine how you view the business of buying and selling homes.

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Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 evolution of AI in enhancing training and compliance.

Ken Perry's journey is a beacon for all who seek to blend personal growth with professional excellence. Our discussion delves into the power of human connection and the necessity of ethics in mortgage practice, as Ken recounts his gripping transition from an often-criticized student to a master communicator. Discover how AI is reshaping our industry, from simplifying guideline searches to potentially redefining the roles of loan officers and realtors, all while grappling with the persistent threat of misinformation and the ethical quandaries it poses.

As we gaze into our crystal ball, the future of real estate seems ripe for revolution. From the demographic shifts in the mortgage industry to the advent of AI in property assessments, this episode is a treasure trove for anyone involved in real estate or seeking knowledge on the subject. We even take a moment to celebrate the realtors' undiminished value amidst technological disruption and share strategies for cultivating lasting client relationships that weather the market's ups and downs. Tune in for a session rich with anecdotes, practical insights, and the shared wisdom of two industry veterans navigating the fast-paced world of property and real estate.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 and sellers riding the wave of fleeting trends.

The tug-of-war between home affordability and buyer expectations takes center stage in this candid discussion. Ever wondered what really happens when sales prices adjust, or how sellers are acclimating to buyer demands even amidst a sea of competitive offers? We dissect these phenomena, comparing the current waves of the market to the turbulent waters of the past. As we break down the long-term investment benefits of real estate, we offer a telescope to those on the fence, peering into the horizon of ownership versus renting.

Touching down in the heart of Texas, the beacon of real estate stability, we illuminate the path for investors drawn to the allure of San Antonio's growth. From the gritty reality of property management to the ballet of flipping houses in a market peppered with giant investment firms, Austin Pantuso's insights serve as your guide through the thicket. We wrap our journey with a personal reflection on the intertwining of social media and relationship-building, sharing lessons from my own voyage through the riveting world of real estate finance. Join us in this episode for an audio expedition that's as enlightening as it is indispensable.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 trove for anyone with a stake in real estate, offering a candid look at the personal and professional growth that comes from embracing life’s curveballs and the significance of a client-centered business philosophy.

Have you ever pondered the delicate dance between authenticity and meeting clients' expectations? Together with Austin, we tackle how attire and relatability play crucial roles in today's professional environment. As I recount my transition to a TV show host, we spark a debate on the balance between dress codes and genuine self-representation, especially in the digital realm. Meanwhile, we draw the line between confidence and arrogance, emphasizing the power of humility and the Golden Rule in nurturing lasting client relationships. And as we dissect innovative brokerage models that empower agents' financial freedom, this conversation stands out as a must-hear for industry professionals seeking to elevate their craft.

Finally, we confront the double-edged sword that technology presents in real estate. As we navigate through the intricacies of online platforms like Zillow and Realtor.com, we delve into their impact on agents, the market, and the cruciality of financial literacy for consumers. Whether you're contemplating the advantages of buying new homes or seeking to comprehend the forces shaping the property market, this session is your gateway to the pivotal factors influencing real estate today. Austin and I invite you to join us for a robust exploration that promises to arm you with the insights necessary to make informed decisions in the world of property.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 adaptability become the keys to investment survival.

We're peeling back the curtain on the art of discretion within property sales, essential in states like Texas, and diving into the strategic intricacies of leasing and valuation that hinge on more than just brick and mortar. Hear firsthand accounts of how nuanced strategies can repurpose a warehouse into a buzzing brewery and why the valuation matrix of commercial properties is pivotal to maximizing returns. Our experts, with their rich experience in medical office spaces and transitioning from residential to commercial real estate, illustrate the pivotal role of expert representation and the critical lessons learned from past transactions in shaping future success.

Wrap up your listening experience with an invaluable conversation on the broader economic implications of current real estate practices. Learn how savvy investors and owners are leveraging market conditions to their advantage, the role of inflation in property valuation, and what the recent yield curve inversion might mean for the future of commercial real estate. Whether you're a seasoned investor or a residential realtor venturing into new territory, the wisdom shared by Andy and JJ is a priceless guide through the commercial real estate maze.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 about the ethical challenges of social media marketing, the confusion surrounding temporary buy downs, and the paramount importance of transparency in the mortgage process.

As the landscape of the mortgage industry shifts, we confront the alarming decline in licensed loan officers and its ramifications. Our guests divulge the survival tactics they've employed to ride the waves of change, from mastering social media to the indispensable role of mentorship. We dissect compliance complexities and the balance between prudent professional conduct online and the casual nature of platforms like LinkedIn and Twitter, offering a waypoint for those navigating the digital seas of finance.

Lastly, the episode underscores the symbiotic relationship between realtors and mortgage professionals, where integrity and collaboration become the cornerstone of a thriving practice. We impart essential advice for lenders and realtors, advocating for a stance against misinformation and unethical practices, ensuring the provision of impeccable service to clients. Whether you are a seasoned property pundit or just dipping your toes in the vast ocean of real estate, join us for a compelling exploration of the mortgage industry with insights from those who've charted its depths.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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, debunking common myths and laying out the blueprint for building generational wealth through property ownership.

Together, we peel back the layers of mortgage options and lender responsibilities, illuminating the path for first-time buyers and seasoned investors alike. This episode is not just a discussion—it's a masterclass in the practicalities of DPA programs, the importance of accurate income reporting, and the strategies for turning an existing home into a rental property. We'll guide you through the often-misconceived world of DPA, clarifying the types of assistance available, from grants to bonds, and how these can impact your loan terms. John and YG's expertise shines as they explore the nuances of these pivotal financial tools, ensuring you leave armed with the know-how to seek out the best mortgage solutions for your situation.

Wrap up your understanding of the transformative power of homeownership and the critical role of ongoing education in the pursuit of property ownership. This conversation is more than an overview of housing loan rates and programs—it's a call to action to take informed steps towards securing your slice of the American Dream. With YG and John's wisdom at your side, the Key Factors Podcast turns complex financial terrain into approachable, actionable insights. Tune in, get empowered, and mark your first step towards a brighter financial future with us.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 grinding work behind the glitz of successful transactions, and the genuine connections that serve as the foundation for flourishing careers.

Embark on a genuine journey through the trials and triumphs of entering the mortgage industry, especially amidst the tumults of COVID-19. The Elders' candid stories shed light on the resilience and tenacity required to break into and excel in this complex field – from confronting licensing hurdles to learning the art of conversation that closes deals. Their narrative serves as a testament to the importance of mentorship and the value of an entrepreneurial mindset that transforms each new morning into a quest for opportunity.

In the latter part of our discussion, we provide a gaze into the crystal ball of real estate, forecasting the market climate for 2024 while reflecting on the current state of affairs. The Elders lend their industry acumen to dissect the impact of interest rates, buyer psychology, and the role of social media in shaping the housing landscape. We wrap up with a thank you to our guests for sharing their journey so openly, a testament to the power of storytelling in understanding the nuances of real estate and mortgage lending. Tune in for narratives that not only inform but inspire, paving the way for your own success in these ever-evolving industries.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 be your anchor in turbulent times.

Navigating the Texas real estate landscape requires more than just a compass; it demands a skilled guide like ours. We chart a course through the shifting sands of Texas metro home prices and tease apart the threads of interest rate unpredictability to reveal the patterns that predict recovery. Whether you're a wide-eyed newcomer to homeownership or a seasoned investor with a keen eye on market trends, this episode arms you with analysis and predictions that can transform your approach to property investment.

As the conversation winds to a close, we don't just leave you with data and forecasts; we impart the essence of what makes a realtor thrive. The art of relationship-building, the finesse of client communication, and the sincerity of gratitude are the hallmarks of a prosperous year in the real estate realm. So join us, where the wisdom of experience meets the pulse of the market, and discover how to navigate the waves of change with confidence and clarity.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 mortgage sage Corey Henderson imparts wisdom on thriving amidst market mayhem.

This episode isn't just about crunching numbers; it's about understanding the heartbeat of the industry. As we dissect the Mortgage Bankers Association's crystal ball predictions, we grapple with the quandary that has construction loan seekers and home builders pacing the floor—lock in those rates, or roll the dice for future falls? The chat takes a turn towards innovation as we spotlight the ingenious financial products that have blossomed in the low-interest landscape, and take a hard look at the raw reality that home builders face, an endeavor rife with surprises at every turn.

We wrap things up by peering into the crystal ball of real estate, taking note of the tectonic shifts in housing preferences and inventory. From the generational tide pushing towards cozy, quality spaces to the Instagram-ready vision of success reshaping our dreams, we explore what it all means for the future of homeownership. And as we cheer on the triumphs of our fellow industry pathfinders, we remind ourselves that it's the shared wisdom and education that lay the foundation for achieving not just success, but a legacy. Tune in for a session that's as enlightening as it is empowering.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 open communication makes each individual's contribution shine—proving that a personal touch can indeed triumph over the impersonal corporate giants.

Change is a constant in the mortgage industry, and this episode doesn't shy away from the complexities it brings. We navigate the landscape of client expectations and the burgeoning influence of top originators who are harnessing the power of social media to attract clients. But it's more than just trends—we break down how to cultivate habits that stand the test of time, delve into the real value of consumer education beyond the numbers, and discuss the exciting world of first-time homebuyers stepping into property investment. Our conversation is a treasure trove of insights, from the power of psychological principles to the finesse of maintaining balance between life's 'big rocks' and professional ambitions.

Finally, we gear up to face the rush of the mortgage world with a renewed commitment to proactive communication. As we wrap this episode, we unveil the Keyer Factor podcast, a new venture set to amplify the listener experience. You won't just listen—you'll be motivated, inspired, and ready to harness the 'pro' mindset that can transform your professional journey. Don't miss out on these rich dialogues that promise to elevate every listener's game.

Can You Be the Best and the Cheapest?
Champions Club Insights: A Deep Dive into Mortgage Industry Trends and Strategies for 2024

Episode Description:Join us in sunny Florida for a special episode of the Key Factors Podcast, recorded at the 2024 Champions Club with Man Mortgage. Hosted by Mark Jones, this episode features an engaging panel discussion with industry leaders sharing their insights, experiences, and strategies for navigating the mortgage market in 2024. From celebrating core values to discussing market trends and personal growth, this episode is packed with valuable lessons and thought-provoking ideas.

Key Discussion Points:

• Celebrating Success and Core Values: The importance of recognizing achievements and the unique culture of Man Mortgage.
• Learning from Industry Leaders: Insights from senior executives and top producers on navigating market challenges and personal growth.
• Importance of Content Creation: Leveraging personal experiences and industry knowledge to educate and engage audiences.
• Impact of Market Dynamics: Discussion on interest rates, market predictions for 2024, and strategies for adapting to changing conditions.
• Setting Goals and Building Habits: Emphasizing the need for specific, actionable goals and the development of productive habits for long-term success.
• Client Education and Relationship Building: The significance of educating clients and building trust through expertise and transparency.
• Adapting Sales Strategies: Moving beyond rate selling to offer comprehensive solutions and value to clients.
• Personal Accountability and Discipline: The necessity of self-discipline and

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 you through the stormiest of economic weathers.

Get ready to dismantle the myths around one-time planning as we dive into the evolution of business plans from mere documents to dynamic tools for success. Learn from my own tales of chaos in the absence of a solid plan, and let's discuss how a 'big boy business' approach can lay the groundwork for future prosperity. We also spotlight the transformative role of a business coach in steering clear of the generic six-figure dreams and into the realm of actionable, realistic targets.

Wrap up your earbuds for the grand finale as we tackle the art of leadership accountability and the balancing act of personal and professional life. Discover why knowing your 'why' is more than just a fancy catchphrase—it's the fuel that keeps your business engine roaring. And for a touch of magic, let's muse over the wonders of AI in podcast production. So if you're navigating the complexities of business ownership, this episode promises to be an invaluable compass in your entrepreneurial journey.

A.J. Reygadas:
- A top-producing Realtor and team leader with the Reygadas Group.
- Recognized as one of the Top 10 Hispanic Realtors in San Antonio, Top 100 - Hispanic Realtors nationwide, and Top 1%
Dylan Shively:
- Founder of James Warren Group
- Specializes in credit education and repair, assisting over 5,000 families.
- Focuses on helping individuals improve their credit to enhance their lifestyle.

his is all things Mortgage & Real Estate, Education with Mark Jones, Producing, Branch Manager, in San Antonio TX.

On this Channel you will find
- Key Factors Podcast - Live Experience - Weekly Discussions with Industry Experts
- Mortgage & Real Estate Tips, Tricks, and Update

Mark Jones
TX-NMLS# 513437
Founder of https://reviewmymortgage.com/
President | iTHINK Mortgage
Mann Mortgage LLC, DBA iTHINK Mortgage
Equal Housing Lender - NMLS# 2550
Top Producing Sr. Loan Officer
https://ithinkmortgage.com.com/

Weekly Industry Topic Discussions | https://www.keyfactorspodcast.com/
Listen to Full Podcast Audio
https://keyfactorspodcast.buzzsprout....

Apple — https://podcasts.apple.com/podcast/id...
Spotify — https://open.spotify.com/show/45ARRko...
Instagram —

/ keyfactorspodcast
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Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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.

Our dialogue traverses the intricate landscape of market trends, economic education, and the lingering effects of COVID-19 on real estate. As interest rates bob and weave, learn how they're influencing specialized markets, and why the family economics narrative demands transparency. We shed light on the more nuanced aspects of investment, such as the art of negotiation, pricing properties aptly, and why sometimes the biggest gamble is not in the bidding, but in holding your ground.

By the time you finish listening, you'll have garnered insights on credit, long-term investment strategies, and the weight of broker designations in cementing professional credibility. Our journey through real estate is one of empowerment, providing you with the compass to make informed decisions that could chart your course to prosperity. Alen and Michael are more than just guides; they're the proof that in real estate, knowledge isn't just power—it's profit.

Join host Mark Jones in a pivotal episode of the Key Factors Podcast, where we delve into the turbulent waters of the 2024 Real Estate Crash. With expert insights from renowned realtors Allen Corona and Michael Shultz, this episode promises a comprehensive analysis of the current housing market turmoil.

🏡 Episode Highlights:

2008 vs. 2024: A Comparative Analysis - Unravel the key differences between the 2008 financial crisis and the 2024 real estate downturn. Understand how historical patterns shape today's market dynamics.

Crash Catalysts: Explore what triggers a real estate crash, focusing on the critical balance between inventory and demand. Discover why today's market is shifting rapidly towards a buyers' landscape.

Market Freeze Alert: Realtor.com reports a frozen market scenario. What does this mean for buyers, sellers, and investors?

Home Affordability Index: Dive into the crucial metrics that determine home affordability, including a special segment on the emergence of a 'Renters Nation'.

Data Deep-Dive:

Mortgage Rates & Buyer Behavior
Inventory Analysis across key areas: Texas, San Antonio, and Austin
The rising influence of investors in the property market
Twitter Poll Insights: Future buying plans of renters
2023 - A landmark year with the fewest home sales since 1995
Record-breaking average home prices in the U.S. and Texas
Final Thoughts & Strategies:

The pros and cons of 30-year mortgages
A critical look at Adjustable Rate Mortgages (ARMs)
When and why to consider refinancing
🎙️ Why Listen: This episode is a must for anyone interested in real estate, from first-time buyers to seasoned investors. Gain clarity amidst the noise and understand the dynamics at play in the 2024 Real Estate Crash. Mark, Allen, and Michael provide not just analysis but actionable advice to navigate these challenging times.

Tune in to the Key Factors Podcast for this enlightening discussion on one of the most pressing issues in today's economy - the 2024 Real Estate Crash. Stay informed, stay ahead. 🌐🔑

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 has been an inspirational funny guy in the mortgage space for the last 7 years. He illustrates his passion for making people laugh and smile, and also discusses how he leverages this skill to gain business.

This is all things Mortgage & Real Estate, Education with Mark Jones, Producing, Branch Manager, in San Antonio TX.

On this Channel you will find
- Key Factors Podcast - Live Experience - Weekly Discussions with Industry Experts
- Mortgage & Real Estate Tips, Tricks, and Update

Mark Jones
TX-NMLS# 513437
Founder of https://reviewmymortgage.com/
President | iTHINK Mortgage
Mann Mortgage LLC, DBA iTHINK Mortgage
Equal Housing Lender - NMLS# 2550
Top Producing Sr. Loan Officer
https://ithinkmortgage.com.com/

Weekly Industry Topic Discussions | https://www.keyfactorspodcast.com/
Listen to Full Podcast Audio
https://keyfactorspodcast.buzzsprout.com/share

Apple — https://podcasts.apple.com/podcast/id1592939728
Spotify — https://open.spotify.com/show/45ARRkoWX1VXJq2BWG8fDm
Instagram — https://www.instagram.com/KeyFactorsPodcast/
Facebook — https://www.facebook.com/KeyFactorsPodcast

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

Imagine laughter echoing through the corridors of the mortgage industry—seems unlikely, right? Yet, that's precisely the atmosphere Eric Delgado from Easy Home Loans and Matt Mazako of Guardian Mortgage bring to our conversation on how humor can shatter the monotonous façade of mortgages. Together, we share a cornucopia of stories about our transitions from different professional backgrounds into the finance realm, and dissect the way humor can not only ease client interactions but also deepen those all-important business relationships.

Let's face it, social media can make even the bravest of us break out in a cold sweat. But fear not! We tackle those insecurities head-on, discussing the transformative power of social media for business growth and the magic of reaching a broad audience with just a few clicks. From the necessity of diverse outreach strategies to the challenges real estate professionals face—like legal pressures and public misconceptions—our banter sheds light on the oft-overlooked aspects of the industry, all while navigating the sensitive aftermath of the January 6th Capitol riots and its impact on one of our own.

Finally, we wrap things up with a heart-to-heart on the art of building an authentic social media presence. Here's where you'll get the inside scoop on creating content that resonates, using nothing more than your smartphone and a dash of creativity. Whether you're rebranding, marketing, or just trying to share your story, we emphasize the power of staying true to your voi

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 as a loan officer specializing in assisting first-time homebuyers, credit-challenged clients, and those seeking second opinions. She discusses her recent licensure in Florida, indicating her expanding reach in the residential loan sector. Stephanie, having entered real estate in 2018, narrates her transition from managing trivia nights for bars and restaurants to becoming a top real estate agent and team leader. Her story exemplifies the power of perseverance and adaptability, highlighting her success despite no prior sales experience.

The discussion pivots to the importance of building and nurturing a real estate team. Stephanie outlines her approach to selecting team members and the value of mutual support and growth within the team. Nicole reflects on the benefits of working with Stephanie's team, emphasizing the importance of confidence, eagerness, and discipline in successful real estate transactions.

The conversation also touches on various aspects of the real estate business, from dealing with credit challenges to setting realistic client expectations. Both guests share personal anecdotes and professional insights, offering valuable advice for both real estate professionals and prospective homebuyers.

This episode of Key Factors Podcast is a treasure trove of knowledge, experience, and encouragement for anyone involved or interested in the real estate industry. Whether you're a seasoned professional or a newcomer, Nicole and Stephanie's stories and insights provide a unique perspective on navigating the ever-changing real estate landscape. Join us for this engaging and enlightening discussion on the Key Factors Podcast, available on YouTube and all major podcast platforms.

Link to Article : https://abcnews.go.com/GMA/Living/video/barbara-corcoran-answers-real-estate-questions-105576050

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 area's real estate market. He works with Rich Realty Group, JB Goodwin Realtors, driven by a mission to help people and provide outstanding customer service. Valadez and his wife have actively developed an income-producing real estate portfolio over the past decade, including single-family rental homes, short-term rentals, and multifamily apartments. They personally manage these properties.

Before his real estate career, Valadez spent 11 years at a San Antonio-based technology startup, Rackspace, where he held various roles including Senior Director of Talent. He is an alum of the University of Texas at San Antonio and St. Mary’s University, holding a bachelor’s degree in Marketing and an MBA. Married in 2007, he has two daughters who share his interest in real estate. Valadez is also an avid golfer, enjoys hiking with his family and dog, practices CrossFit, plays the bass guitar, rides motorcycles, takes photos, and loves to travel

Rich Realty Group, JB Goodwin Realtors
Get in touch with Rich : https://www.richrealtytx.com

About Key Factors Podcast:

Key Factors Podcast is an educational podcast aimed at consumers, mortgage, and real estate industry professionals. It covers a wide range of topics, inviting industry professionals to discuss and educate on key factors in various areas. The podcast is powered by ReviewMyMortgage.com and is designed to be informative for everyone​​.

About Mark Jones:

Mark A. Jones, the founder of ReviewMyMortgage.com, is a Producing Branch Manager and Senior Loan Officer (NMLS ID# 513437). He brings his expertise to the podcast, guiding discussions with industry professionals to uncover and educate listeners on essential topics​​.

Stay Connected:

Subscribe to our YouTube Channel: https://www.youtube.com/c/MarkJonesKeyFactors
Listen on Spotify, Apple Podcast, Facebook, Instagram, and other platforms: https://www.keyfactorspodcast.com/
Watch more episodes: https://www.youtube.com/@KeyFactorsPodcast/podcasts

Contact Mark Jones:

To work with Mark Jones and his team at iThink Mortgage, visit iThink Mortgage or explore loan options with LoanBot powered by ReviewMyMortgage.com using this link: https://shopper.reviewmymortgage.com/start-journey/get-started?sid=623644​​​

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 most significant advantages of buying a home now is the opportunity to build equity. Unlike renting, where your monthly payments are an expense, each mortgage payment as a homeowner contributes to your equity in the property. Over time, this can be a valuable asset, especially if the property's value increases. Historically, real estate has been a stable and appreciating asset, and purchasing a home can be an important step in building personal wealth.

2. Long-term Stability and Predictability:
   Owning a home provides a sense of stability and predictability that renting cannot match. With a fixed-rate mortgage, your monthly payments remain consistent throughout the term of the loan, unlike rent, which can increase unpredictably. This stability is particularly valuable in times of economic uncertainty, allowing homeowners to plan their finances with greater confidence.

3. Tax Benefits and Deductions:
   Homeownership comes with various tax benefits that can make purchasing a home financially advantageous. For example, mortgage interest and property taxes are often tax-deductible, which can lead to significant savings over time. These deductions can partially offset the impact of higher interest rates, making the overall cost of owning a home more manageable.

Work with Mark Jones and his team at iThink Mortgage by visiting iThinkMortgage.com or try out LoanBot powered by ReviewMyMortgage.com and find out your buying power without having your credit pulled. Self- Diagnose on your own time and get educated on the many programs available to purchase a home. Use the following link : https://shopper.reviewmymortgage.com/start-journey/get-started?sid=623644

Mark Jones
Founder of https://reviewmymortgage.com/
President | iTHINK MORTGAGE | ithinkmortgage.com
Top Producing Sr. Loan Officer
NMLS# 513437

Listen to Weekly Industry Topic Discussions on all podcast platforms by visiting this link https://www.keyfactorspodcast.com/

Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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🔑 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 based in San Antonio, Texas, with a career spanning 19 years in the industry. He began working full-time in real estate in 2004 and founded the Trey Group in 2005, a team deeply rooted in family tradition​​. This group later evolved into a residential and commercial team under eXp Realty, LLC, and has been recognized as one of the Top 25 Teams in San Antonio by the San Antonio Business Journal​​.

Gorena's journey in real estate was greatly influenced by his family legacy, as his father was a longstanding broker who left him with a considerable real estate empire to manage and expand. This positioned J.J. Gorena among the youngest agents in his field, taking on the significant responsibility of maintaining and growing this legac

Shane Tolkiem an Division President for Fedility National Title in San Antonio Texas.

🔍 In This Episode, We Cover:

The potential impact of changing commission structures for Buyer's Agents.
The struggles of realtors and lenders in the current market.
Necessary changes in the barriers to entry for becoming a realtor or mortgage lender.
Other hot topics shaking up the real estate industry.

💡 Our Guests Share:
Their personal experiences and insights on overcoming industry challenges.
Strategies for realtors and lenders to adapt and thrive.
Expert opinions on the future of real estate.
🎧 Tune in now to gain valuable insights from industry leaders and stay ahead in the dynamic world of real estate! Don't forget to like, share, and subscribe for more episodes from the Key Factors Podcast.

🌐 Visit our website: keyfactorspodcast.com
📺 Watch more episodes: [Key Factors Podcast - / @keyfactorspodcast

Your Host Mark Jones invites Industry Pros to help uncover & educate on the key factors of various topics. There’s something for everyone so let us be your guides and get educated. Subscribe & Follow on Spotify, Apple Podcast, Facebook, Instagram, & all other podcasting platforms. Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access: http://www.nmlsconsumeraccess.org/Pow... by ReviewMyMortgage.com

KeyFactorsPodcast #RealEstateInsights #IndustryLeaders #JeffGarza #ChrisJacobs #RealEstateChallenge

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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🔑 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 for 2023.
• Chris Jacobs, a Top Producing Realtor with Neal & Neal Team at Keller Williams, serving San Antonio and surrounding areas.

🔍 In This Episode, We Cover:

• The potential impact of changing commission structures for Buyer's Agents.
• The struggles of realtors and lenders in the current market.
• Necessary changes in the barriers to entry for becoming a realtor or mortgage lender.
• Other hot topics shaking up the real estate industry.

💡 Our Guests Share:

• Their personal experiences and insights on overcoming industry challenges.
• Strategies for realtors and lenders to adapt and thrive.
• Expert opinions on the future of real estate.

🎧 Tune in now to gain valuable insights from industry leaders and stay ahead in the dynamic world of real estate! Don't forget to like, share, and subscribe for more episodes from the Key Factors Podcast.

🌐 Visit our website: keyfactorspodcast.com
📺 Watch more episodes: [Key Factors Podcast - YouTube.com/@keyfactorspodcast

Your Host Mark Jones invites Industry Pros to help uncover & educate on the key factors of various topics. There’s something for everyone so let us be your guides and get educated. Subscribe & Follow on Spotify, Apple Podcast, Facebook, Instagram, & all other podcasting platforms. Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access: http://www.nmlsconsumeraccess.org/Powered by ReviewMyMortgage.com

#KeyFactorsPodcast #RealEstateInsights #IndustryLeaders #JeffGarza #ChrisJacobs #RealEstateChallenges #NARRuling #BuyerAgency #RealtorStruggles #RealEstateMarket

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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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 the real estate sector in the state's economy, the essence of Fair Housing, and common misconceptions about real estate agents.

John Grof, an accomplished real estate agent with a passion for music and the outdoors. John passionately speaks about the lawsuit's impact on the profession's integrity and questions the metrics used to judge agent commissions. He further draws parallels between realtor and attorney fees and hints at a possible larger agenda in play.

Tori Summers, a dedicated buyers agent with an impressive track record. Tori brings her insights on serving clients, the importance of referrals, and her firsthand experiences on the field. Based in Boerne, TX, Tori's journey is testament to the dedication and hard work agents put in daily.

The NAR (National Association of Realtors) verdict regarding buyer agency that resulted in a lawsuit of $1.78 billion is a significant development in the real estate industry. Here's a synthesis of the information gathered:

The Verdict: A federal jury found the National Association of Realtors (NAR) and some residential brokerages, including units of Warren Buffett's Berkshire Hathaway, liable for conspiring to artificially inflate commissions for home sales. As a result, they were ordered to pay $1.78 billion in damages​1​.

Impact on Practices: The verdict could change long-standing practices that have allowed real estate agents to increase commissions in tandem with rising home prices and mortgage rates, making housing transactions more costly for consumers​1​.

Plaintiffs: The class action lawsuit included sellers of over 260,000 homes in Missouri, Kansas, and Illinois between 2015 and 2022. These sellers objected to the commissions they had to pay to buyers' brokers​1​.

Details of the Conspiracy: The accused parties were found guilty of colluding to maintain or inflate high commission rates via NAR’s Clear Cooperation Rule​2​.

Potential Implications: The awarded damages could be tripled under U.S. antitrust law, which would amount to more than $5.3 billion​1​. This ruling might also pave the way for similar lawsuits in other states​2​.

Defendants' Response: NAR and other defendants, such as HomeServices of America, expressed their disappointment with the verdict and indicated plans to appeal​1​.

Other Settlements: Some real estate companies chose to settle before the trial. For instance, Re/Max settled for $55 million and Anywhere Real Estate (which includes brands like Century 21 and Coldwell Banker) settled for $83.5 million​1​.

Industry Repercussions: This verdict could lead to significant changes in the residential real estate industry. For instance, CoStar Group's CEO, Andy Florance, mentioned that the trial's outcome might create rapidly changing conditions favoring Homes.com, a CoStar subsidiary. The business model of Homes.com isn't negatively impacted by the potential end of the buyer-broker commission rule, presenting a new opportunity​3​.

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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🏠 "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.
Key factors that influence a property's worth and how location plays a pivotal role.
The art and science of comparative market analysis.
Navigating the challenges posed by modern technology and AVMs in the appraisal industry.
Real-life experiences, challenges, and the evolving role of appraisers in today's market.
🎙 Guest Profiles:

Chad Melin: With a robust background in sales and real estate, Chad Melin, the Executive Sales Leader at Mann Mortgage LLC, brings his expertise and curiosity to the table, facilitating a conversation that bridges the gap between sales and appraisal.

Robert Ogleseby: Wearing the dual hats of the Vice President of Class Valuation and an appraiser with years of experience under his belt, Robert offers invaluable insights from the frontlines of property valuation.

📌 Whether you're an aspiring real estate professional, someone looking to buy or sell property, or just curious about the behind-the-scenes of property valuation, this episode promises to be an informative ride!

🔗 Related Links & Resources:

iThink Mortgage: https://ithinkmortgage.com/
Mann Mortgage LLC: https://mannmortgage.com/
Class Valuation: https://www.classvaluation.com/

Don't forget to LIKE, SHARE, and SUBSCRIBE for more deep dives into the world of real estate!

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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 successful realtor. He emphasizes the importance of maintaining a positive outlook and seeing setbacks as learning opportunities. His decision to transition into real estate came from a desire to avoid a lifetime of desk work and take control of his destiny. Despite facing challenges in his initial part-time period, Jose’s dedication and determination led him to become a full-time realtor, eventually earning the title of Rookie of the Year.

Yvonne Godina, a senior loan officer, emphasizes the importance of hard work and consistency in achieving success in real estate. She applauds Jose's perseverance and adaptability, particularly during his transition into the industry.

The discussion underscores the significance of mentorship, seeking education, and understanding the processes involved in real estate. The guests stress the need for genuine connections with clients, resilience in the face of setbacks, and the determination to constantly seek out new opportunities. They also discuss the importance of setting personal goals, such as Jose’s ambition to create a situation where his wife no longer needed to work, a goal he ultimately achieved.

This episode serves as a motivational guide for anyone considering a career in real estate, providing valuable insights into the industry's challenges and potential rewards. The guests' personal stories and professional tips highlight the importance of taking leaps of faith, maintaining a positive mindset, and being persistent in the pursuit of success.

Get in touch with Jose :
https://www.facebook.com/Josebuentellorealtor/

https://jose.harvestrealestategrp.com/

https://sa.exprealty.com/agents/1126354/Jose+Buentello

Mark's channel: https://www.youtube.com/channel/markj...

► ► Get Pre-Approved With My Team → https://www.ithinkmortgage.com
► ► Get An Agent Referral → https://ithinkmortgage.com/partner-resources/
💌 Email Me → mjones@ithinkmortgage.com

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
President | iTHINK MORTGAGE | ithinkmortgage.com
Top Producing Sr. Loan Officer
NMLS# 513437
Get in Touch with Mark.

Listen to Weekly Industry Topic Discussions on all podcast platforms by visiting this link https://www.keyfactorspodcast.com/

Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!

Key Factors podcast, powered by https://ReviewMyMortgage.com

Here are a Few Reason why someone would be denied for a mortgage.

Mark Jones - NMLS 513437 | Founder of ReviewMyMortgage.com

Only for educational usage. All calculations should be verified independently. Reviewmymortgage.com is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This is not an offer to lend and should not be used to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, nor real estate advice. For All Mortgage Lending Needs Please Visit iTHINKMortgage.com

Read the full disclaimer here https://ithinkmortgage.com/disclaimer/

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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 suggestion from a friend. Despite his success, Bo insists his motivation wasn't money. He appreciates the robustness of the San Antonio market and feels fortunate to be part of it. The host also introduces the regular co-host Matthew Stansbury. The episode aims to discuss Bo's transition from educator to realtor, and his experiences and success in real estate.

Guest:

Lucio "Bo" Vasquez
Realtor | Keller Williams Heritage
License #647841
GET IN TOUCH WITH BO
Bo.YourRealtor@gmail.com
https://bo-yourrealtor.kw.com/

Key takeaways from this discussion:

The importance of experience in the real estate market: The current market environment requires experienced professionals who can navigate the complexities and challenges that arise. Realtors and lenders who are new to the industry may struggle to adapt, which is why experience is so critical.

The transition from teaching to real estate: The conversation highlighted how teaching skills can be beneficial in the real estate market. The ability to educate clients about the home buying process is a valuable asset.

The shift in home buying trends among younger generations: Younger generations, like millennials, are increasingly interested in home ownership. However, their expectations and preferences may differ from those of older generations. It's important for real estate professionals to understand these trends and adapt accordingly.

The impact of interest rates and the pandemic on the real estate market: The pandemic led to historically low interest rates, which sparked a boom in the real estate market. However, as interest rates rise, the market is likely to normalize.

The importance of home equity: Home equity is a key consideration for homeowners. Over time, as homeowners pay down their mortgages and their homes appreciate in value, they can build significant wealth. For many people, their home is their most valuable asset.

The value of home ownership versus renting: The discussion also touched on the benefits of home ownership over renting. While renting may be more affordable in the short term, home ownership can offer long-term financial benefits.

The influence of online information: With the rise of social media and online platforms, consumers have access to a wealth of information about real estate. However, not all of this information is accurate or useful. It's important for consumers to consult with experienced professionals to ensure they're making informed decisions.

This discussion provides valuable insights into the current real estate market and the role of professionals in guiding consumers through the home buying process.

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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 sector. Peter shares his inspiring journey from his early life in College Station, Texas, where his father was a professor, to becoming an influential figure in the housing market. His experiences include traveling and working three jobs in Northern California, attending community college, and eventually graduating from Texas A&M University. Peter further shares his love for outdoor activities, being a former mountain bike racer in Colorado, and his passion for helping people understand home ownership.

A significant part of their discussion centers around sales and the art of communication. Peter explains how he started his sales journey unconsciously at a bike shop, learning to interact with different customer types and adjusting his approach accordingly. He emphasizes that understanding your customers and building likability and trust is critical in forming lasting business relationships.

They also delve into the importance of attitude and mindset in life and in business. Peter, despite being dyslexic and having ADHD, believes that every interaction can be positive or negative, and it's up to the individual to choose their perspective. His approach to maintaining a positive outlook was inspired by his father, who always had a positive attitude regardless of the situation.

Moreover, the conversation explores the importance of discipline in achieving consistency and success, using personal health as an analogy. Peter highlights the need for discipline in maintaining physical health, just as in business, emphasizing the benefits of starting the day early and dedicating time for oneself.

In summary, this episode provides valuable insights into the mortgage and housing industry, the essence of effective sales and communication, the significance of maintaining a positive attitude, and the importance of discipline in achieving personal and professional success.

Key Topics Discussed:

• Introduction to the Key Factors Podcast and Peter as a guest
• Peter's journey from an outdoor lifestyle to the mortgage world
• The importance of maintaining a positive attitude and discipline
• The concept of mirroring in sales
• Insights into the manufactured housing industry
• The significance of building trust with clients
• Peter's passion for educating people about homeownership

https://www.titanfactorydirect.com/

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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 guests Matt Stansbury, a Senior Loan Officer with iTHINK Mortgage, and Dylan Shivley, Owner of James Warren Group – deemed the best credit repair and monitoring company in the US.

Our panel of experts demystify the concept of Loan Level Price Adjustments (LLPA), a significant but often overlooked aspect of the mortgage process. The episode also debunks several myths surrounding credit scores, challenging the commonly held belief that good credit buyers are penalized more than lower credit score buyers.

This conversation serves as an invaluable resource, providing you with the knowledge and tools to navigate the intricacies of credit scores and home buying. If you're on the path to owning a home or simply want to understand the dynamics of credit scores better, this episode is a must-listen!

To learn more about our hosts and guests, visit iTHINK Mortgage and James Warren Group. Listen to this and more insightful episodes on Buzzsprout.

Don't forget to subscribe and share, so you never miss an episode of the Key Factors Podcast.

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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 move to Texas, where she joined a top-producing real estate group. Danielle's passion for helping others is a key driving force behind her success, and it ultimately led her to establish The Mission Haus Group—a dynamic team of women dedicated to practicing real estate all around Texas. Their mission is clear: to give back to the community and focus on people, showing them the transformative benefits of owning and leveraging real estate to build generational wealth.

At The Mission Haus Group, core values matter. Danielle candidly shares her philosophy of "growing through what you go through" and discusses how overcoming challenges has shaped her into the compassionate and determined leader she is today. Whether you're an aspiring real estate professional or simply looking for inspiration to overcome obstacles, this episode is a treasure trove of wisdom, insight, and motivation.

Tune in to hear Danielle's story of resilience, her vision for The Mission Haus Group, and her unwavering dedication to making a difference in people's lives through the power of real estate. Don't miss this chance to learn from a trailblazer who's paving the way for a brighter, more equitable future in the world of real estate.

KeyFactorsPodcast

RealEstate

GenerationalWealth

MissionHausGroup

DanielleVoigtKruciak

WomenInRealEstate

Empowerment

GivingBack

RealEstateJourney

TexasRealEstate

RealEstateSuccess

RealEstateInvesting

OwningRealEstate

GrowThroughWhatYouGoThrough

Resilience

Leadership

RealEstateGoals

CommunityImpact

RealEstateInspiration

RealEstateEntrepreneur

BuildingALegacy

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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-building tool. As Charley and Alisa explain, many people believe that renting is the more affordable option, but in reality, rent can be a killer of wealth. When you rent, you are essentially paying someone else's mortgage and have no equity to show for it. By contrast, owning a home can build long-term wealth through equity and appreciation.

Mark and his guests then dive into the specifics of the Texas real estate market. Texas is a unique state with its own set of real estate trends and challenges. Charley and Alisa share their expertise on the market, explaining how it has changed over the years and what trends they see currently. They also discuss the benefits of working with an experienced real estate agent who knows the Texas market well.

The conversation takes a turn as Charley shares his journey from being a radio DJ to becoming a successful real estate agent. He explains how he got his start in the industry and the challenges he faced along the way. Charley's story is an inspiring reminder that anyone can become a successful homeowner in Texas with the right mindset and support.

Throughout the podcast, Mark, Charley, and Alisa emphasize the importance of doing your research and working with a trusted professional when buying a home. They offer tips and advice for anyone looking to become a homeowner in Texas and share their experiences of helping people find their dream homes in the Lone Star State.

Whether you're a first-time homebuyer or a seasoned pro, this podcast is full of valuable insights and information about the Texas real estate market. Join Mark Jones, Charley, and Alisa Wasson from the Laughy Hilger Real Estate Group as they share their expertise and passion for helping people become successful homeowners in Texas.

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#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 for "overregulation, overlitigation, overtaxation." This video provides insights into the survey conducted by WalletHub, comparing California and Texas' tax burdens.

COERICION - co·er·cion

noun

1. the practice of persuading someone to do something by using force or threats.
2. "our problem cannot be solved by any form of coercion but only by agreement"

ElonMusk #Texas #California #TaxBurden #WalletHub #Boring #SpaceX #MontessoriSchool #RentalHomes #MarkCuban #MustangTexas

Discussion References :

https://www.youtube.com/watch?v=6h393V0FuBw

https://finance.yahoo.com/news/elon-musk-reportedly-building-own-165241581.html

Newsom: Texans pay more in taxes than Californians. Is he ...
The Sacramento Bee
https://www.sacbee.com › capitol-alert › article271288017

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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-induced exodus of residents and the impact of tech layoffs. In Phoenix, home sales have cooled off due to higher mortgage rates, but Goldman Sachs expects the housing outlook to look less dire with a projected 6.1% fall in home prices as mortgage rates head toward 6.5%. However, the rental market may face challenges due to a big supply of multifamily units. While buyers who purchased prior to the pandemic will still see an increase in home prices over a three-year period, those who bought during the pandemic peak may face a decline in value.

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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, and California saw the greatest increase in completed foreclosures. Hashtags: #foreclosure #housingmarket #realestate #propertydata #ATTOM #U.S.foreclosuremarket #housingnews #housingtrends #mortgage #housingcrisis.

Article References : https://www.attomdata.com/news/market-trends/foreclosures/attom-february-2023-u-s-foreclosure-market-report/

https://www.youtube.com/watch?v=PgRRuRdB1Us

https://www.youtube.com/watch?v=4mVzI9s93vc

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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 Card Debt Statistics - LendingTree.com
  Reference : https://www.lendingtree.com/credit-ca...

The article provides information on credit card debt statistics for 2023. Americans currently have a total credit card balance of $986 billion, which is the highest total since the Federal Reserve Bank of New York began tracking in 1999. The article discusses the average credit card debt of Americans and the states with the highest and lowest debt. It also highlights the percentage of credit card accounts that carry a balance and the average interest rates on credit cards, including new credit card offers. Additionally, the article reveals that just 2.25% of Americans' total outstanding credit card balances are currently at least 30 days delinquent. The data suggests that Americans are struggling with credit card debt, and it's important for individuals to take control of their finances to avoid getting into debt.

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

Matt Stansbury
Sr. Loan Officer | Sales Manager
NMLS# 1534206

Jody Trevino
Loan Officer
NMLS# 2211449

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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

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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

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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 each episode, Mark sits down with guests who have made significant strides in the real estate industry, discovering their unique stories and how they turned their passions into successful careers. Through engaging discussions and thought-provoking questions, Mark and his guests delve into the challenges they have faced and the lessons they have learned throughout their careers.

Rueben Hernandez-Valdez, our first guest, is a highly respected real estate agent who has successfully leveraged social media marketing to expand his business. In this episode, Rueben shares his insights on how he maintains a healthy work-life balance, and how his passion for helping others has driven him to succeed in the real estate industry.

Listeners will gain valuable insights from Rueben's experiences and the strategies he has employed to maintain balance in his life while achieving professional success. In addition, Rueben and Mark discuss the latest trends in real estate, the power of social media marketing, and the importance of building strong relationships with clients.

Whether you are an aspiring real estate professional, a seasoned industry veteran, or simply interested in the stories of successful professionals, "When Passion Leads to Progress" is the podcast for you. Join us for lively discussions, inspiring stories, and actionable insights that will help you turn your passion into progress.

Host :
Mark Jones
President | Sr. Loan Officer
iTHINK MORTGAGE
NMLS# 513437

Co-Founder of ReviewMyMortgage.com
"The Largest Index of Mortgage Programs in the Nation."

Guest :
Reuben Hernandez-Valdez
Realtor | Content Creator
Malouff Realty

Get in Touch!
https://www.facebook.com/Ruebenv

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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/katie-hasson

Who is Katie : As a professional Sales and Leadership Coach for Southwestern Consulting, Katie enjoys coaching, motivating, and cheering her clients on to unprecedented success.

Katie began her sales career working for the Southwestern Advantage college program in 2012. She sold educational materials for four years, relocated to four different states, knocked on more than 20,000 doors, worked on straight commission, and recruited a top-performing team. During that time, she ranked 26th out of more than 2,000 first-year salespeople.

During her career with Southwestern Advantage, Katie personally conducted more than 400 one-on-one interviews. She not only recruited top teams but also recruited the #1 first-year salesperson in the company in 2014. 

Katie has earned the Spencer Hayes Award—the highest award in recruiting at Southwestern Advantage, which is the oldest direct selling company in the United States. She also received the Gold Certification in sales and recruiting, progressing through sales management positions rapidly with a record of outstanding organizational growth and exceptional individual sales performance.

Katie graduated from the University of South Florida with degrees in International Business and Spanish. Her passion comes from being able to help others reach new potential and expand their positive mentality. One of Katie’s favorite affirmations is, “Hope is a combination of setting goals, having the tenacity and perseverance to pursue them, and believing in our own abilities.”

In her spare time, Katie loves being active and enjoys running and watersports. She currently resides in Florida.

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Branch NMLS#2062296
15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender
Get in Touch with Mark.
https://lacanteraloans.com/loan-offic...

Disclaimer:
Mark Jones is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only.

This video description may contain affiliate links that allow you to easily find the items mentioned in my videos as well as support the channel at no cost to you. Thank you for your support! Mark Jones is a licensed Loan Originator with Directions Home Loan NMLS# 513437.

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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)
- https://data.oecd.org/leadind/consumer-confidence-index-cci.htm
- How Long Does it Take to Foreclose in Texas?
* In most cases involving a home loan, federal regulations state the foreclosure action cannot begin until the loan is over 120 days delinquent.


WHY FORECLOSURE IS A BAD IDEA
Credit History
Ability to Purchase Again
* Creates Additional Hurdles and Waiting Periods
* Most Of All - LOSE OF EQUITY

SHORT SALES IS BETTER THAN FORECLOSURE …
“only if they are upside down on their LTV” MJ
- But is it?
Definition :
* Both short sales and foreclosures can get homeowners out of paying for their mortgages. Short sales are voluntary actions by the homeowner; they require approval from the lender. Foreclosures are involuntary for the homeowner; the lender takes legal action to take control of and sell the property.
Financial Impact :
* In the end, short sales are almost always damaging to your credit, but they do less harm than foreclosures or bankruptcies. A short sale might block you from a mortgage on a new home for two years or so, but a foreclosure or bankruptcy could keep you out of the market for as long as seven to 10 years.May 9, 2022

Texas Doesn’t Have Many Short Sales :
* Situation of Potential Short Sale
* VA Loan due to Funding Fees
* USDA Loan 100% Financing
* Bond Loans with Silent 2nd

Waiting Periods after Short Sale?

Waiting Periods after Foreclosure?

WORKING WITH YOUR MORTGAGE SERVICER TO SAVE YOUR HOME

• Because of Programs that are now allowing for Extended Forbearance.
• Intermittent Payment Deferral
• Loan Modification

https://www.attomdata.com/news/market-trends/foreclosures/attom-september-and-q3-2022-u-s-foreclosure-market-report/

Only for educational usage. All calculations should be verified independently. Reviewmymortgage.com is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This is not an offer to lend and should not be used to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, nor real estate advice. For All Mortgage Lending Needs Please Visit iTHINKMortgage.com

Read the full disclaimer here https://ithinkmortgage.com/disclaimer/

Closing Cost,
Proof of Funds Fun Trivia,
Credit Score,
Credit Events,
Credit Events: Public Filings,
Today's Average Rates, where to look,
Mortgage Insurance,
Property Requirements,
House Hacking,
Property Condition,
Appraisal,
Loan Limits,
Income and Employment,
Affordability - Debt-to-income,
Max Purchase Price Calculator,
Student Loans,
Manual Underwriting,
Seller Credits,
Special Requirements / Features,
Refinancing,
Success Rate & Seller Perception,

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I have the opportunity to have a quick chat with the owner of Mann Mortgage LLC right before my grand opening of iTHINK MORTGAGE. Just a few important questions answered to give you great perspective in the Real Estate Market.

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
President | iTHINK MORTGAGE | ithinkmortgage.com
Top Producing Sr. Loan Officer
NMLS# 513437
Get in Touch with Mark.

Listen to Weekly Industry Topic Discussions on all podcast platforms by visiting this link https://www.keyfactorspodcast.com/

Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!

Key Factors podcast, powered by https://ReviewMyMortgage.com

Here are a Few Reason why someone would be denied for a mortgage.

8 Reasons Why Mortgage Loans Are Denied In Underwriting

1. Your Credit Score Is Too Low
2. Your Debt-To-Income Ratio (DTI) Is Too High
3. The Loan-To-Value Ratio (LTV) Is Too High
4. Your Employment Status Recently Changed
5. You Have Unusual Bank Account Activity
6. There Are Problems With The Property
7. You Have A History Of Missed Mortgage Payments
8. The Appraisal Is Too Low

BONUS:
Debt Awarded to Ex-Spouse (if stated in decree) can also be omit from the borrowers monthly liabilities, thus lowering the borrowers DTI. (A Divorce Decree is a Legal Binding Agreement)

Mark Jones - NMLS 513437 | Founder of ReviewMyMortgage.com

Only for educational usage. All calculations should be verified independently. Reviewmymortgage.com is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This is not an offer to lend and should not be used to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, nor real estate advice. For All Mortgage Lending Needs Please Visit iTHINKMortgage.com

Read the full disclaimer here https://ithinkmortgage.com/disclaimer/

closingcosts #proofoffunds Fun Trivia #CreditScore #CreditEvents Credit Events: Public Filings, Today's #AverageRates, where to look #MortgageInsurance #PropertyRequirements #househacking #PropertyCondition #appraisals #LoanLimits #Income and #employment

#Affordability - #Debt-to-income Max Purchase Price Calculator #Student Loans #ManualUnderwriting #SellerCredits, Special Requirements Features, #refinancing Success Rate & Seller Perception

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NeverGiveUp #WorkHard #AfricanAmerican #Doctor #Entrepreneur

Dr. Simien was born and raised in the inner cities of Los Angeles, California. He attended Missouri Baptist University in St. Louis, Missouri and obtained his Bachelor’s of Science in Biology. He received his Doctorate of Osteopathic Medicine from Des Moines University. Subsequently, he attended residency at Indiana University School of Medicine and completed his training in June 2021. During his training, Dr. Simien was awarded and ranked highly as “Top Teaching Resident” in the class of 2021 and “Best Laparoscopic Resident Surgeon”. Dr. Simien’s clinical interest include minimally invasive laparoscopic and robotic surgery, osteopathic manipulation, transgender care and infertility. Dr. Simien is married with three children and when he is not seeing patients, he enjoys all sports entertainment, food and spending time with family.

Guest : Dr. Adrian Simien \ Entrepreneur
OB/GYN - Alamo Womens OB/GYN
MD, DO

Obstetricians/gynecologists (OB-GYNs) specialize in the woman's reproductive tract, pregnancy and childbirth.

Get in Touch :
https://www.christushealth.org/find-a-doctor/adrian-simien-24507- https://alamowomensobgyn.com/our-providers

Owner - Reap and Prosper Academy
https://www.instagram.com/reapandprosper_basketball/?hl=en

Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager iTHINK MORTGAGE
Top Producing Loan Officer
NMLS# 513437

15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender

Get in Touch with Mark.

https://www.facebook.com/MillennialMa...
https://www.youtube.com/channel/MarkJ...
https://www.zillow.com/lender-profile...
https://reviewmymortgage.com/get-star...
https://www.instagram.com/markjonesmo...

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Let's talk about the real estate market based on our location of San Antonio Texas.

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

Yvonne Godina aka YG
Sr. Loan Officer
NMLS# 312632

Nichole Kelley
Loan Officer
NMLS# 1630375

Mann Mortgage LLC, DBA iTHINK Mortgage
15900 La Cantera Pkwy #2630
San Antonio TX 78256

NMLS #2550
Alaska (AK2550), Arizona (0907705), California (4130981), Colorado (2550), District of Columbia (MLB2550), Hawaii (HI-2550), Idaho (MBL-437), Maryland (23418), Minnesota (MN-MO-2550), Montana (2550), Nevada (2342), New Mexico (250489), North Carolina (185883), North Dakota (MB101542), Oregon (ML-832), South Dakota (ML.05197), Texas (2550), Utah (7956014), Virginia (MC-6860), Washington (CL-2550), Wisconsin (2550BA), Wyoming (1004).
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
Texas Complaint and Recovery Fund Notice
Mann Mortgage, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. All programs are subject to credit and income qualification. This is not a guarantee of financing or a firm offer of credit. Interest rates are not guaranteed and subject to change or become unavailable at time of commitment or closing. 1220 Whitefish Stage, Kalispell, MT 59901

iTHINK Mortgage is an Equal Housing Lender

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Let's talk about the real estate market based on our location of San Antonio Texas.

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

Jody Trevino
Loan Officer
NMLS# 2211449

Les Marshall
Loan Officer
NMLS# 2081243

Mann Mortgage LLC, DBA iTHINK Mortgage
15900 La Cantera Pkwy #2630
San Antonio TX 78256

NMLS #2550
Alaska (AK2550), Arizona (0907705), California (4130981), Colorado (2550), District of Columbia (MLB2550), Hawaii (HI-2550), Idaho (MBL-437), Maryland (23418), Minnesota (MN-MO-2550), Montana (2550), Nevada (2342), New Mexico (250489), North Carolina (185883), North Dakota (MB101542), Oregon (ML-832), South Dakota (ML.05197), Texas (2550), Utah (7956014), Virginia (MC-6860), Washington (CL-2550), Wisconsin (2550BA), Wyoming (1004).
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
Texas Complaint and Recovery Fund Notice
Mann Mortgage, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. All programs are subject to credit and income qualification. This is not a guarantee of financing or a firm offer of credit. Interest rates are not guaranteed and subject to change or become unavailable at time of commitment or closing. 1220 Whitefish Stage, Kalispell, MT 59901

iTHINK Mortgage is an Equal Housing Lender

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Let's talk about the real estate market based on our location of San Antonio Texas.

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

Nichole Kelley
Loan Officer
NMLS#1630375

Xavier Villarreal
Loan Officer
NMLS# 2217153

Mann Mortgage LLC, DBA iTHINK Mortgage
15900 La Cantera Pkwy #2630
San Antonio TX 78256

NMLS #2550
Alaska (AK2550), Arizona (0907705), California (4130981), Colorado (2550), District of Columbia (MLB2550), Hawaii (HI-2550), Idaho (MBL-437), Maryland (23418), Minnesota (MN-MO-2550), Montana (2550), Nevada (2342), New Mexico (250489), North Carolina (185883), North Dakota (MB101542), Oregon (ML-832), South Dakota (ML.05197), Texas (2550), Utah (7956014), Virginia (MC-6860), Washington (CL-2550), Wisconsin (2550BA), Wyoming (1004).
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
Texas Complaint and Recovery Fund Notice
Mann Mortgage, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. All programs are subject to credit and income qualification. This is not a guarantee of financing or a firm offer of credit. Interest rates are not guaranteed and subject to change or become unavailable at time of commitment or closing. 1220 Whitefish Stage, Kalispell, MT 59901

iTHINK Mortgage is an Equal Housing Lender

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RiskTaking #Entrepreneur #sanantoniorealestate

In this episode Mark Jones invites Matt Stansbury, his protege as a co-host to discuss taking risks with Guest AJ Reygadas, Broker\Owner of 1st Choice Realty here in San Antonio Texas. These guys are no stranger to taking big risks or getting out their comfort zone. They provide many real life examples of what risk taking may cost you but also what it may afford you in your journey. The Next Step is Up to You. Real Estate, New Agent Tips, Leadership Motivation, Mentor Moments, Big Reveals and More...

Guest :
AJ Reygadas - Broker\Owner 1st Choice Real Estate

AJ Reygadas is a Top Producing Realtor and team leader with the Reygadas Group at Keller Williams Legacy. He has been awarded with being recognized Top 10 hispanic Realtors in San Antonio, Top 100 Hispanic Realtors nationwide, Top 100 locally and Top 1% Nationwide. As a San Antonio Native, AJ Reygadas graduated from Thomas Jefferson high school and was raised with his one siblin...(read more) https://www.facebook.com/1stChoiceRealtyGroupSA/

The Sauce Podcast : https://www.facebook.com/thesauceaj
YouTube : https://www.youtube.com/channel/UC0TEAZyeb-aAiJlG2ozxVog/featured
Instagram : https://www.instagram.com/ajtherealtor/
Zillow : https://www.zillow.com/profile/AJ%20Reygadas

Featured Guest Co-Host :
Matt Stansbury
VP of Growth | Sr. Loan Officer
iTHIINK MORTGAGE
NMLS# 1534206

Born and raised in Del Rio, TX, but has proudly called San Antonio his home for 8 years. Matt started his sales journey at the age of 20 in insurance and by 21 was a top producer in Texas. He made a transition over to mortgage as a Loan Officer Assistant to learn the business and after two and a half years, became a full time Loan Officer. This in pursuit of his true passion for helping people. The idea of helping someone with one of the biggest purchases of their life, brings him joy.

Website - https://wethinkmortgage.com/loan-officer/matt-stansbury/
Insta - https://www.instagram.com/myfitlo/
Facebook - https://www.facebook.com/matt.stansbury.58/
TikTok - https://www.tiktok.com/@myfitlo

Host :
Mark Jones
President | Sr. Loan Officer
iTHINK MORTGAGE
NMLS # 513437

15900 LaCantera Pkwy #26230
San Antonio TX 78256
Equal Housing Lender

Get in Touch with Mark.
https://wethinkmortgage.com/loan-officer/mark-jones/

https://www.facebook.com/MillennialMarkJones
https://www.youtube.com/channel/MarkJonesKeyFactors
https://www.zillow.com/lender-profile/TheMarkJonesTeam/
https://reviewmymortgage.com/get-started/
https://www.instagram.com/markjonesmortgagelender/

https://WeThinkMortgage.com
iThinkMortgage.com
iThinkHomeLoan.com
iThinkHomeLending.com

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SanAntonioRealEstate #EnvisionTitle #Value

In this episode my dear friend Nefi Miramontes drops by the office to give me some great news and gets pulled into an impromptu discussion about the value of a great title company. Hear what the title company in a transition does and what it effects you. Short & Sweet but surly a memorable moment captured. Your Next Deal Should Go to Envision Title with My Friend Nefi Miramontes !

Guest : 
Nefi Miramontes 
President | Envision Title 

Get in Touch : 
- https://www.facebook.com/nefi1212
- https://www.facebook.com/EnvisionTitleSATX
- https://www.envisiontitletexas.com/

Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager iTHINK MORTGAGE 
Top Producing Loan Officer
NMLS# 513437

15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender

Get in Touch with Mark.

https://www.facebook.com/MillennialMarkJones
https://www.youtube.com/channel/MarkJonesKeyFactors
https://www.zillow.com/lender-profile/TheMarkJonesTeam/
https://reviewmymortgage.com/get-started/
https://www.instagram.com/markjonesmortgagelender/

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Entrepreneur #SmallBusiness #Podcast

In this discussion I get to have a real in depth conversation with a long time friend MikeAnthony Torres. He reveals many bumps along his journey as an Entrepreneur. The rivers that are formed not because the water is powerful, but because it is consistent.

Listen to Full Episodes by Subscribing to my Channel.
You can also here full HD Audio Podcast on

Apple Podcast - https://podcasts.apple.com/podcast/id1592939728
Spotify - https://open.spotify.com/show/45ARRkoWX1VXJq2BWG8fDm

Visit KeyFactorsPodcast.com

Guest

MikeAnthony Torres

Founder at San Antonio's Brunch Festival
Host/Founder at Late Nights with All Access
Owner at Four 17 Solutions
Founder/CEO at Purple Diamond Lupus Foundation
Owner at All Access Promotions & Entertainment
Independent Distributor at IDLife San Antonio

Get in Touch with MikeAnthony
Instagram - @officialmikeanthony.torres

Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437

Branch NMLS#2062296
15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender

Get in Touch with Mark.

https://www.facebook.com/MillennialMa...
https://www.youtube.com/channel/MarkJ...
https://www.zillow.com/lender-profile...
https://reviewmymortgage.com/get-star...
https://www.instagram.com/markjonesmo...

https://lacanteraloans.com/

FAIR-USE COPYRIGHT DISCLAIMER

• Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, commenting, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.

1)This video has no negative impact on the original works (It would actually be positive for them).
2)This video is also for teaching purposes.
3)It is not transformative in nature.
4)I only used bits and pieces of videos to get the point across where necessary.

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NewRealtors #NextGeneration #HousingMarket

In this discussion Mark invites his friend Ashley Verastegui, a Realtor who came from the mortgage business and now gracefully juggles being a Wife, Mom, Real Estate Instructor, while practicing what she preaches as a Realtor in San Antonio and surrounding.

About my guest:

Ashley Verastegui is a passionate REALTOR® who has worked with buyers and sellers in San Antonio and the surrounding communities for close to a decade. She originally started her career in lending, helping hundreds of families on their home ownership journeys. Her time working with housing loans now allows her to best advise clients on various purchase and loan types such as Conventional, FHA, VA, USDA, cash, or lot/land purchases. Past clients and colleagues alike describe Ashley as a consummate professional, easy-to-talk-to extrovert, and a delight to work with. Originally raised in the Hill Country and spending much of her time in San Antonio, Ashley was nurtured in a single-parent household and was the first to graduate college in her family. After receiving a Bachelor’s Degree in Criminal Justice; she went on to discover her joy in real estate. As she continued to grow into her purpose, Ashley was thrilled to become part of the Coldwell Banker D'Ann Harper, REALTORS® family. She now takes great pride in assisting both buyers and sellers, continually focused on providing the highest-quality customer service and building long-lasting relationships. As your REALTOR®, she is dedicated to partnering with you through every step of the process and working as a team with every vendor/lender/company involved in your realty transaction! Her end goal is to consistently ensure the most seamless and stress-free experience possible. When she’s not focused on the housing market, Ashley loves spending time with her family and helping make a difference in the community. She looks forward to serving you!

Links:
Get in Touch with Ashley

https://averastegui.cbharper.com/
https://www.facebook.com/ahano52
https://www.realtor.com/realestateagents/5ba12bca5ee6830011e74529
Host:

Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437

Branch NMLS#2062296
15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender

Get in Touch with Mark.

https://www.facebook.com/MillennialMarkJones
https://www.youtube.com/channel/MarkJonesKeyFactors
https://www.zillow.com/lender-profile/TheMarkJonesTeam/
https://reviewmymortgage.com/get-started/
https://www.instagram.com/markjonesmortgagelender/

https://lacanteraloans.com/

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Zillow #OpenDoor #RealEstate

In this episode your host Mark Jones, invites two outstanding leaders in the real estate community to discuss how this will impact the real estate and mortgage industry as a whole. Join Tim Macy with REAL Brokers and Logan Fullmer a local Property Flipper and Educator in the San Antonio and Surrounding Market.

Watch CNBC's full interview with Zillow CEO Richard Bartonhttps://www.youtube.com/watch?v=wALdj0epdgk&t=8s

Guest :
Tim Macy
Realtor | YouTuber | Entrepreneur | Leader

• https://www.thetimmacyshow.com/
• https://www.youtube.com/c/TimMacy
• https://www.instagram.com/timmacyrealtor/

Tim and his lovely wife Phon, are dedicated to delivering integrity, and client-centric services along with innovative modern marketing strategies. They are an advocate for their clients and value relationships over transactions. They run a family business, dedicated to providing the highest levels of service and treating their clients like family.

Tim and Phon specialize in relocations; educating buyers from all over the world about San Antonio and the buying process, making the move here seamless. They also provide a concierge service to local sellers, leveraging their innovative marketing techniques and a nationwide network of agents to get owners’ homes sold quickly and efficiently.

Lastly, they are known for their market expertise and working with investors. They've done everything from flips to owner finance, to small multi-family properties and can help make sure your next purchase is also a smart investment.

Guest :
Logan Fullmer
Educator | Property Flipper | Title Expert | Leader

• https://www.instagram.com/the_real_estate_junkie/
• https://www.facebook.com/logan.b.fullmer
• bit.ly/curativetitle

Over the last ten years Logan Fullmer has run a successful real estate business that began with buying foreclosures and flipping single family homes. During his real estate career, he’s built houses, refurbished commercial buildings, entitled and subdivided development land, and became a self-taught curative title work expert while annually participating in several hundred real estate transactions. Today he runs an office of 15 that flip commercial real estate, ranch land, wholesale and invest into various non real estate related business. Logan is forty years old, a husband and father of four.

Sign Up with Logan
https://www.education-re.com/p/curative-title-class?fbclid=IwAR2De7EN0092zNfiIax4Grf-CH0hIq9um1WeJl6YcVmtmlMTjMSL3Eoc0HE

Host:
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437

Branch NMLS#2062296
15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender

Get in Touch with Mark.

https://lacanteraloans.com/

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SanAntonioRealEstate #Mortgage #RealEstatePodcast

In this episode Mark Jones invites Avery Duke, Sr. Loan Officer for Legacy Mutual to discuss the current Real Estate Market, among many other topics that will add value to what you do as a producer and as a person. Tune in as we discuss it all.

Guest :
Avery Duke
NMLS 1455702
Sr. Loan Officer
Legacy Mutual

About Avery:
Avery was in retail for 15 years and needed to make a change when she stumbled upon the mortgage industry in 2015.SheI immediately fell in love ❤️‍🔥 with helping people feel confident in the process of qualifying for and understanding what it means to get a mortgage. Over 900 loans closed since 2017, she continues to find a way to help her clients despite the market trends.

1. Believe in yourself FIRST
2. We CAN have it ALL
3. STOP being a victim
4. BE Intentional

Get in Touch with Avery:
Facebook : https://www.facebook.com/avery.coyduke
Insta : Instagram.com/abcduke11
Website : https://legacymutual.com/officers/avery-duke/
Youtube : https://www.youtube.com/channel/UCRBBBrdrrARUt99tBAqmp8Q

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Branch NMLS#2062296
15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender
Get in Touch with Mark.
https://lacanteraloans.com/loan-offic...

Disclaimer:
Mark Jones is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only.

This video description may contain affiliate links that allow you to easily find the items mentioned in my videos as well as support the channel at no cost to you. Thank you for your support! Mark Jones is a licensed Loan Originator with Directions Home Loan NMLS# 513437.

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In this Episode your host Mark Jones, invites 2 social media influencers to discuss how they leverage TikTok & Reels to generate business for the future. Our Business is changing quickly and if you don't adapt you will be left behind.

Guest: over 107k followers on instagram

Chris Garcia 🔸 Texas Realtor ®
Buy ▫️Sell ▫️Invest
Military Relocation Professional
Brokered by @phyllisbrowningco
San Antonio & Surrounding Areas

Get in Touch with Chris:
Instagram - https://www.instagram.com/c.garciarealty/
Facebook - https://www.facebook.com/SanAntonioRealEstateAgent/
Website - https://cgarciarealty.com/

Following years of living all over the world, Chris Garcia has made San Antonio a home, and strives to guide clients to their new San Antonio retreat. Whether it is helping clients find the best deals, or helping renters become owners, Chris wants to accompany clients through every step of the journey.

Chris®s 14 years enlisted in the Army instilled in him values that he now extends to his clients. During his service, Chris learned the importance of integrity, strong work ethic, and the ability to think efficiently. Following his service, Chris obtained an undergraduate degree at Texas State University and then continued his education at UTSA where he earned his Master®s in Public Administration. These skills have shaped Chris into a dynamic realtor, eager to utilize his knowledge.

An involved community member, Chris is a member of SABOR, NAR, Texas Realtors, Wounded Warrior Project, Order of the Purple Heart and Iraq & Afghanistan Veterans of America.

Guest:

Preston Jones
NMLS# 2012137

Get in Touch with Preston -
Instagram : https://www.instagram.com/pjonesbball33/
Facebook: https://www.facebook.com/PJoneshomeloans
Linkedin: https://www.linkedin.com/in/preston-jones-02704479/

Website: https://myhomeloan.directionshomeloan.com/borrower/signup/pjones@directionshomeloan.com

Preston Jones, a San Antonio native, is a loving and devoted husband to Lauren Jones and father to four boys and a girl: Luke, PK, Bear, and Zaylee. Preston gradated from Antonian College Preparatory High School, and completed a degree in English Communication from St. Mary’s University. Outside of work, Preston enjoys golfing, playing basketball, and spending as much time with his family as he can. He loves watching his boys do things they love to do, and volunteers his time to coach his boys sports team.

Preston is self motivated and hard working, with a diverse background of marketing, real estate, and business management, running a youth basketball program called Texas Prime Athletics. Preston is a “take the lead” kind of guy, but enjoys working with others. He loves taking on new challenges and learning as much as he can. Preston brings a high enthusiastic optimistic energy with a passion to help others, and is an amazing addition to the Directions Home Loan team. He works tirelessly to put his clients first.

Host:
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437

Branch NMLS#2062296
15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender

Get in Touch with Mark.

https://lacanteraloans.com/

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Leadership #RealEstate #Mortgage #Abundance

In this episode Mark Jones invites his friend Sandra Rangel, Leader of the #1 Hispanic Real Estate Group in San Antonio. In the discussion we show how it's not easy to get out of your comfort zone but an absolute necessity to achieve your ultimate success goals.

Clip : Steve Harvey Show : Get Uncomfortable
https://www.youtube.com/watch?v=WYR-gxVcg6s&t=1s

Guest :
Sandra Rangel -
Sandra Rangel was born and raised in San Antonio, TX and truly loves the community she serves! After realizing her true calling, she began her real estate career in 2007. After two years as a highly successful individual agent, in 2011, she began building her own team of likeminded professionals, who now make up Rangel Real Estate Group.

Awards:

• 2017 – 2018 & 2021 #1 Latino Real Estate Agent on National Association of Hispanic Real Estate Professionals (NAHREP) Top 100 list
• 2017, 2018 & 2021 San Antonio Business Journal Top 100 Residential Real Estate Agents and Teams
• 2012 – 2020 San Antonio Platinum Top 50 Winner/Finalist
• 2021 Top 250 NAHREP Latino Real Estate Agent _National Level Ranked #16
• 2021 San Antonio Platinum Top 50 Winner

Get in Touch with Sandra - https://www.rangelrealestategroup.com/
Facebook: https://www.facebook.com/sandra.rangel.758Host :

Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Branch NMLS#2062296
15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender

Get in Touch with Mark.

https://lacanteraloans.com/loan-offic...

Disclaimer:

Mark Jones is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that to shed light on the questions many of us in the industry are having. With their combined 14 years of Builder / New Construction Experience we were able to figure out what's going on with builders, understand the market, and so much more.

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RealEstate #NewConstruction #RealEstateBrokers

In this discussion Mark invites his day one referral partners and owners of Laughy Hilger Group in San Antonio to shed light on the questions many of us in the industry are having. With their combined 14 years of Builder / New Construction Experience we were able to figure out what's going on with builders, understand the market, and so much more.

Get in touch with LHG https://laughyhilgergroup.com/

Guests:
Andy HilgerBroker/Owner
Realtor - 11 Years
KB Homes
Director of Sales - 7 Years

Realtor.com - https://www.realtor.com/realestateagents/5681267ebb954c01006945d0
Facebook - https://www.facebook.com/laughyhilgergroup
Read Reviews - https://www.realsatisfied.com/Andy-Hilger

Marcus LaughyRealtor/Owner - 11 Years
KB Homes
Director of Sales - 7 Years

Realtor.com - https://www.realtor.com/realestateagents/56803a347e54f701001eefa9
Facebook - https://www.facebook.com/SAareaRealtor/
Linkedin - https://www.linkedin.com/in/marcus-laughy-realtor-2ba95955
Read Reviews - https://www.realsatisfied.com/marcus-laughy

Marcus’ Bio - Marcus' professional career started in the United States Air Force where he served honorably for 7 years. In 1996 he moved to San Antonio and has made San Antonio and the surrounding areas his home. In 2000, he entered the Real Estate industry in new home sales for a National Home Builder. Through his hard work, customer service, and commitment to his clients, he worked his way to Director of Sales for Central Texas. In 2012 he co founded the Laughy Hilger Group and opened their Brokerage in 2017. Through his professional experience in the industry and with the local market he is dedicated to providing the outstanding customer service that every client deserves. Marcus is married, has 3 children and 6 grandsons.

Host :

Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Branch NMLS#2062296
15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender

Get in Touch with Mark.

https://lacanteraloans.com/loan-offic...

Disclaimer:

Mark Jones is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that

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Brownsville #RioGrandeValley #RealEstate #HomeOwnership #MortgageLenders

In this episode Mark has his Brownsville Branch on the podcast for the first time. We will discuss how the market is doing in the Rio Grande Valley along with a few tips and value additions for Realtors and Referral Partners. What are you doing to stay relevant?

Guest :
Alfredo Martinez - Producing, Sales Manager - NMLS # 497372 - https://lacanteraloans.com/loan-officer/alfredo-martinez/

About Alfredo : Alfredo is a Harlingen Texas native, is a loving and devoted husband to Nora Martinez and father to three amazing children, Aziel, Abram, and Amaris. Alfredo graduated from San Benito High School in San Benito Texas in 1995, and with a degree in the Foundations of Business from the University of Phoenix in 2011. Alfredo began his career in the consumer/mortgage lending industry in 2002 and helping someone with one of the biggest purchases of their life, brings him joy. Alfredo’s true passion is being a local expert, provide long term service, and to be easily accessible for his clients.

Vanesa Gaytan - Sr. Loan Officer - NMLS#845638
- https://lacanteraloans.com/loan-officer/vanesa-gaytan-2/

About Vanesa : Vanesa has been in the financial industry for just about 20 years. She understands the importance of buying a home and the feeling of being a homeowner is priceless.

Vanesa is so passionate about helping you buy your dream home. The process of buying a home is not complicated as long as you are working with someone that guides you through the entire process. Vanesa is committed to making this process fun and smooth.

Rene Chacon - Sr. Loan Officer - NMLS# 1455190- https://lacanteraloans.com/loan-officer/rene-chacon/

About Rene : Rene is an experienced loan officer who has been managing the loan origination process for prospective homebuyers for several years. Rene specializes in providing personalized home loan solutions for first-time homebuyers and move-up buyers. Rene has extensive working knowledge of a wide variety of loan programs, including conventional loans, jumbo loans, FHA loans, VA loans and down payment assistant programs.
Get in Touch with the Experts : https://lacanteraloans.com/brownsville

Facebook : https://www.facebook.com/DHLBrownsville/

Host :

Mark Jones

Founder of https://reviewmymortgage.com/

Branch Manager Directions Home Loan La Cantera

Top Producing Loan Officer

NMLS# 513437

Branch NMLS#2062296

15900 LaCantera Pkwy #26225

San Antonio TX 78256

Equal Housing Lender

Get in Touch with Mark.

https://lacanteraloans.com/loan-offic...

Disclaimer:

Mark Jones is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that

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Key Factors Podcast

Join your host Mark Jones while he and Rock Star Real Estate Team Leader Martin Tirado, with REAL Brokers, LLC

A few topics covered :
- Leadership
- Growth and Struggle
- Growing a Team
- Realtors & Lenders - Who's Smarter with Their Money
- Gratitude

Download on the go and listen anywhere : https://keyfactorspodcast.buzzsprout.com/share

About my Guest: Martin Tirado

Contact Martin :
Website - https://thetiradogroup.com/
Email: thetiradogroup@gmail.com
Facebook: https://www.facebook.com/TheTiradoGroup/

The Tirado Group was established in 2016 in the San Antonio Market and surrounding areas with a combined 20 years of experience specializing in New Home Sales & Construction, Lots/Land, Listings, Helping Buyers, and Luxury Homes.

Our group consists of a Team Leader, Administrator, Buyer Agent(s) and a Transaction Coordinator. We have the sufficient capability to work any Real Estate Transaction with finesse, knowledge, and professionalism. As a team, we strive to provide 100% customer satisfaction for all parties and always look forward to gain trust and confidence so that we may have the opportunity to also work with your family and friends in the future.

Martin is a native to the San Antonio area and started his life in Real Estate since his early years. Coming from a family who has been saturated in San Antonio and surrounding areas who specialize(d) in custom home building, Martin realized at a very young age that he was meant for this line of work. Martin received his Real Estate license in 2013 and by 2014, he was named BHHS Don Johnson’s Rookie of the year. In 2015, he was inducted into the Honor Society for BHHS. In 2016, he ranked at the top 7% of the Berkshire Hathaway Company Nationally. In 2018, Martin was ranked as the #7 Top Latino Realtor for the National Association of Hispanic Real Estate Professionals. Martin has a true passion for continuing to grow and help as many families as possible. Martin Tirado is now the Founding leader of The Tirado Group based out of San Antonio, TX, and has built a solid foundation of clients through his real estate knowledge and advisory services. Mr. Tirado has a long record of successfully guiding an array of clients towards their dream of home ownership. Martin specializes in applying his expertise and market knowledge to residential transactions from listing, representing a buyer, lots/land, to new home construction. Martin is a family man with a devotion to God, his wife Yadimar, and two sons, Jacob and Jameson. In addition to being an active volunteer in San Antonio and the surrounding areas, Martin and his wife Yadimar have established an annual back-pack drive with school supplies for the start of the school year for families in need. Martin has been trained and inspired in sales by some of the best leaders in the industry. Along with his team, Martin epitomizes hard work, integrity, and creative service in every detail of every real estate transaction. The Tirado Group works very closely with clients in every transaction detail from the first phone call to the day of closing. Call Martin or his team to go to work for you today!

**No it's not your audio... Unfortunately we lost the audio 25 mins into the discussion, but we were able to salvage the back up recording. Please forgive this error as we continue to "Fail Forward"

Hop you enjoy : Remember to Like, Share, & Subscribe

New Episodes About

RealEstate

Mortgage #Economy #Growth #Entrepreneur

HousingMarketCrash

CreditRepair #Tips #Mindset #Consistency

Gratitude #Excellence

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CreditCrisis #CreditRepair #StudentLoanForgiveness #RealEstate #Podcast #Pros #SanAntonio #Texas

The national credit crisis has become out of control in the United States and consumers don't even realize what's going on. We are here to help educate you in a digestable conversation to discover and uncover solutions to the major issues partaining to credit. We will also discuss the ins and out of the Student Loan Forgiveness Bill that recently passed.

$10,000 - $20,000 in student loan forgiveness.
READ MORE : https://www.forbes.com/advisor/studen...

Guest : Dylan Shively together with his wife, own The James Warren Group. He is also a published author (The Credit Files), father, husband, and army veteran who started his company James Warren Group in 2017 with one goal in mind. Helping others achieve what they thought to be the "impossible". Keeping that in the forefront of every business decision made daily, the business has grown into 23 different states and is currently serving over 3,000 clients! Dylan has been recognized in ABC,NBC,CBS and FOX news along with recently being published in both FORBES magazine & YAHOO finance as an industry leader within the credit repair space and overall small business growth. Dylan helps others with their business and lastly stands proud as a leader within his community. Both his personal life and business are ran off of this quote : " Do what is right. Not what's easy."

Visit ROPAX : https://jameswarrengroupinc.com/home
Facebook : https://www.facebook.com/ItsDylanShively
Instagram : https://www.instagram.com/itsdylanshi...
LinkedIn :

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RealEstateHousingCrash #Mortgage #RealEstate #Podcast #Pros #SanAntonio #Texas

Guest : Robert Elder & Stephanie Paxton... Together they make ROPAX, a top producing real estate team out of San Antonio, Texas. Over 650M in transactions under their belt, these two really understand the data. Let's Talk About it. 

Visit ROPAX : http://theropaxgroup.com/

Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!  Key Factors podcast, powered by https://ReviewMyMortgage.com . Your Host Mark Jones invites Industry Pros to help uncover & educate on the key factors of various topics. There’s something for everyone so let us be your guides and get educated. Subscribe & Follow on Spotify, Apple Podcast, Facebook, Instagram, & all other podcasting platforms.  Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access: http://www.nmlsconsumeraccess.org/Powered by ReviewMyMortgage.com

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Jon Storey & Mark Jones discuss numerous needle moving topics that anyone seeking a good swift kick in the ass, should tune in and take notes.

Jon Storey comes from a lifetime of being around in the Real Estate industry his entire life. He has been out in the field for 16 years through working in the Title industry. Listening and understanding what Real Estate Professionals really need to help develop accountability, systems and marketing strategies that work in a current market.

A proven success coaching program that helps Real Estate Professionals develop accountability and systems that generate leads. With hundreds of success stories in a short amount of time. We are in the business to change people lives and helping them get time back . We specialize in building your value, brand and niche on Social Media which has impacted our world in how we are marketing ourselves. The system is designed for you to have leads come to you vs you chasing them or being on the phones making calls all day long. We will teach you every aspect that you need to market yourself efficiently. Our goal is to create “The Modern Marketer”. Invest in

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Branch NMLS#2062296
15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender
Get in Touch with Mark.
https://lacanteraloans.com/loan-offic...

Disclaimer:
Mark Jones is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only.

Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All! Key Factors podcast, powered by https://ReviewMyMortgage.com . Your Host Mark Jones invites Industry Pros to help uncover & educate on the key factors of various topics. There’s something for everyone so let us be your guides and get educated. Subscribe & Follow on Spotify, Apple Podcast, Facebook, Instagram, & all other podcasting platforms. Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access:

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In this episode Mark Jones, has a very productive conversation with his brother Preston Jones and Brian Paris, about the disparities in the black community. They uncover and do their best to dissect the potential racial inequalities of Homeownership among African Americans. National Average Credit Score's, Challenges that can be overcome, and How & What we can do to improve the narrative to increase awareness and education within the African American Demographic; Are Among Some of the Key Factors Features in this episode.

Guest :
Brian Paris
Realtor
KW City View

About Brian : Originally raised in NYC, moved to San Antonio in 1994 and has been passionate about Real Estate ever since. Of all the business ventures available, helping someone realize their home ownership goals is most rewarding. He has 5 beautiful daughters that remind him daily that he has to raise the bar towards excellence as they should expect nothing less from their father...or men in general. He believe that he setting the model for which future men are being measured. He has been blessed enough to have visited several countries around the world and appreciate differences in culture. He absolutely loves driving convertibles with the top down!

"I will probably never own a solid top car! I am one that truly believes that your most valuable asset is not your money or your possessions, but your time. Once spent, it cannot be taken back."

His goal is to invest his time wisely, not sweat the little things and enjoy life and the treats that it brings him!

Get in touch with Brian - https://www.kwsanantonio.com/our-agents/brian-paris#

Guest :
Preston Jones
Loan Officer
nmls#2012137
Directions Home Loan at La Cantera

Get in touch with Preston : https://lacanteraloans.com/loan-officer/preston-jones/
Can be found : LoansByPJones - https://www.tiktok.com/t/ZTdVNLUcN/

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-offic...
Co-Founder of ReviewMyMortgage.com, Top Producing Branch Manager for Directions Home Loan, and an Investor out of San Antonio, Texas. He believes that everyone is a home buyer it’s just a matter of when and his goal is to show you how.
Powered by ReviewMyMortgage.com

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In this episode Mark Jones interviews John Hudson, EVP of Mortgage Financial Services to direct todays real estate and mortgage climate. So many nuggets dropped in this discussion, you'll have to watch it twice, so take notes as they dive deep in the rabbit hole of todays Real Estate World.

HomeOwnerShip #AmericanDream #TexasLenders

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Branch NMLS#2062296
15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender
Get in Touch with Mark.
https://lacanteraloans.com/loan-offic...

Disclaimer:
Mark Jones is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only.

This video description may contain affiliate links that allow you to easily find the items mentioned in my videos as well as support the channel at no cost to you. Thank you for your support! Mark Jones is a licensed Loan Originator with Directions Home Loan NMLS# 513437.

SHOW LESS

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In this Episode I bring on Calvin Chin Real Estate Investor who just turned 30 and already has over $20,000 in monthly passive income.

Calvin Chin got into real estate to find a path to buy back his time and energy. Over a 5 year period was able to go from grinding in a 9-5 corporate job to having the financial freedom to choose to be a full-time real estate investor and has built a portfolio of over 80+ units in just 5 years. He has scaled from owning single-family homes, to flipping, to Airbnbs, to moving money through the BRRRR (Buy Renovate Rent Refinance Repeat) Method, to small multi-family homes, and now Apartment commercial projects. He believes in helping people create wealth (getting time and energy back) so they can give that knowledge back to their community! If this speaks to you, he is excited to help with your journey!

Guest : Calvin Chin - Co-Founder of Zen Coast University
- https://zencoast.mykajabi.com/site/about

Guest : Heide Zapata - Realtor - TDT Realtors

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.

https://lacanteraloans.com/loan-officer/the-mark-jones-team/
Host : Mark Jones - Branch Manager, Producing - Directions Home Loan
NMLS#513437 Directions Equity, LLC DBA Direction Home Loan NMLS ID #214519
Corporate Office: 2915 W Bitters Road, Suite 102, San Antonio, Texas 78248

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Catch the Live Experience on YouTube now @MillennialMarketTalk

On this episode I invite a new friend Kasandra Alicea with Coldwell Banker D'Ann Harper Realtors, to take me through her journey as a transgender woman in the world of Real Estate. Hear Kasandra story in addition to some of her ways she grew her business, despite the hurdle of being "different."

With over 15 years in the customer service industry, My mission is to assist you to the best of my ability and help you make your dreams come true.

I commit to being diligent and thorough in your home buying process, all while treating you with the respect and fairness you deserve.

Guest :
Kasandra Alicea
Realtor
CB D'Ann Harper Realtors
Get in Touch with Kassandra
Instagram : instagram.com/kasandra_alicea/?hl=en
Facebook : https://www.facebook.com/kaliceacbdh/

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

This podcast is Powered By : ReviewMyMortgage.com
“largest index of mortgage programs… Nationally.”

Find out how to become a PRO Lender in your Area.
https://reviewmymortgage.com/get-started/

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In this Episode I bring on my close friend Kendra Wray, Broker Associate with Keller Williams Heritage Realty. Experienced agent since 2001. Listing & Buying Residential & Waterfront Homes, Land, Vacation Homes, and Property Management. Kendra is a fully dedicated agent and always strives to reach her clients expectations during and after their real estate transaction. She has the knowledge and expertise with a great supportive team behind her.

Kendra is from Minnesota, moved to New Braunfels after college, and in 2016 moved on Lake McQueeney. In her spare time she enjoys hunting, boating, fishing, playing poker, and most of all enjoys spending time with her family of 2 boys Hayden & Tanner, daughter Abby and husband Kevin.

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guest :
Kendra Wray
Realtor
Keller Williams
YouTube - https://www.youtube.com/Kennyrae1977
Google - https://plus.google.com/+KendraWrayTeamKellerWilliamsRealtyMcQueeney
Insta - https://www.instagram.com/kendrawrayteam/
Facebook - https://www.facebook.com/KendraWrayTeam

This podcast is Powered By : ReviewMyMortgage.com
“largest index of mortgage programs… Nationally.”

Find out how to become a PRO Lender in your Area.
https://reviewmymortgage.com/get-started/

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Meet The RoPax Group, Robert Elder and Stephanie Paxton of KW Portfolio Alamo Heights.

In my chat with a top producing Real Estate Team, Robert & Stephanie, share many #KeyFactors that are applicable to today's market. We will talk about it all... from capturing to Lead Generation. They share some in depth life lessons that you can implement or enhance with your business. BONUS : We talk about today's market with PRO Predictions and Opinions on where this market and industry is headed. You don't want to miss this.

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guest :
Stephanie Paxton
Realtor
ROPAX
Get in Touch with Stephanie.
http://theropaxgroup.com/

Guest :
Robert Elder
Realtor
ROPAX
Get in Touch with Robert.
http://theropaxgroup.com/

ROPAX on
YouTube - https://www.youtube.com/channel/UCL6nC89-TNYv01aBMY7GJBw
Insta - https://www.instagram.com/theropaxgroup/
Facebook - https://www.facebook.com/theropaxgroup/
Zillow - https://www.zillow.com/profile/rwe7171/

This podcast is Powered By : ReviewMyMortgage.com
“largest index of mortgage programs… Nationally.”

Find out how to become a PRO Lender in your Area.
https://reviewmymortgage.com/get-started/

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In this Episode I invite my personal growth coach, Katie Hasson, from Florida to share the importance of having a coach in any sales position. We may be able to make it far in this industry but if you want to level up... Invest in a coach.

Katie began working with Southwestern Advantage in 2012. She sold for four years, relocated to four different states, knocked on over 20,000 doors, worked on straight commission, and recruited a top-performing team. During her career with Southwestern Advantage, Katie personally conducted over 400 one-on-one interviews. She not only recruited top teams but also recruited the number-one first-year salesperson in the company in 2014.

Guest :
Katie Hasson
Elite Level Coach
Southwestern Consulting.
Get in Touch with Katie
https://southwesterncoaching.com/katie-hasson/Broker/Agent

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Daily Millennial Mortgage Update | Mark Jones

Also Now on YouTube - Millennial Market Talk - The Best Mortgage Podcast for Millennials with Mark Jones, Daily Mortgage & Real Estate Updates in Minutes from a Millennials Perspective. This is for Consumers and industry Professionals to stay current with what's going on in our world.

Mortgage & Real Estate News & Updates, Daily Millennial Mortgage Updates, Industry Hot Topics, Tips, & Education for Consumers, Realtors, Brokers, & Lenders.

Visit https://www.millennialmarkettalk.com Subscribe to
Apple Podcast - https://podcasts.apple.com/us/podcast...
Spotify - https://open.spotify.com/show/3inymKB...
iheart - https://www.iheart.com/podcast/269-mi...

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In this Episode I invite I invite Peter Trevino, Broker Agent with HERO Realty. He takes on his first hand journey from an apartment locator, to becoming a real estate broker. Listen up as he leaves no stone unturned and inspires some of the basic actions we should be taken as Real Estate and Mortgage PROS.

Guest :
Peter TrevinoBroker/Agent
HERORealty

Get in Touch with Peter.
herorealtytx.com

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Daily Millennial Mortgage Update | Mark Jones

Also Now on YouTube - Millennial Market Talk - The Best Mortgage Podcast for Millennials with Mark Jones, Daily Mortgage & Real Estate Updates in Minutes from a Millennials Perspective. This is for Consumers and industry Professionals to stay current with what's going on in our world.

Mortgage & Real Estate News & Updates, Daily Millennial Mortgage Updates, Industry Hot Topics, Tips, & Education for Consumers, Realtors, Brokers, & Lenders.

Visit https://www.millennialmarkettalk.com Subscribe to
Apple Podcast - https://podcasts.apple.com/us/podcast...
Spotify - https://open.spotify.com/show/3inymKB...
iheart - https://www.iheart.com/podcast/269-mi...

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In this Episode I invite Kasey Hampton, a Top Producing Builder Lender... That's Right ... I said it. A BUILDER LENDER! We uncover many misconceptions in the Mortgage & Real Estate Industry pertaining to the Mysterious Role that Builder Lenders play and how we as professionals perceive or misperceive the Process of building a New Home.

Guest :
Kasey HamptonSr. Loan Officer
DHI Mortgage
NMLS# 275537
Get in Touch with Kasey.
https://www.dhimortgage.com/Loan-Officers/kasey-hampton

About Kasey
After working in this business for 17 years I have definitely learned to take life with a grain of salt. My goal has and always will be to give the best service possible to help people obtain homeownership. I prefer to go through the process with lots of laughter and minimal drama. I have been a Sr. loan processor, servicing manager, branch manager and loan originator and it has been some of the best experiences I have ever had. I enjoy doing first time homebuyers seminars because future homeowners have so many questions and are eager to get into a new home. Service and consistency always will be my top priorities!!

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Daily Millennial Mortgage Update | Mark Jones

Also Now on YouTube - Millennial Market Talk - The Best Mortgage Podcast for Millennials with Mark Jones, Daily Mortgage & Real Estate Updates in Minutes from a Millennials Perspective. This is for Consumers and industry Professionals to stay current with what's going on in our world.

Mortgage & Real Estate News & Updates, Daily Millennial Mortgage Updates, Industry Hot Topics, Tips, & Education for Consumers, Realtors, Brokers, & Lenders.

Visit https://www.millennialmarkettalk.com Subscribe to
Apple Podcast - https://podcasts.apple.com/us/podcast...
Spotify - https://open.spotify.com/show/3inymKB...
iheart - https://www.iheart.com/podcast/269-mi...

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In this Episode I invite Christi Hines, with Directions Home Loan to go over all you need to know from a consumer, realtor, and most importantly a lenders perspective. So many nuggets to help your business grow. Think in the box... The Manufactured Box that is.

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guest :
Christi Hines
Loan Officer
Directions Home Loan
NMLS# 280725
Get in Touch with Christi.
https://directionshomeloan.com/team-members/christi-hines/

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On this Episode I invite Dylan Shively , Owner of The James Warren Group. Who specialize in credit restoration and counseling in most states in the U.S. In this raw discussion, We peal back the layers in a way that's easy to understand to help consumers, realtors, and lenders understand what they don't teach in schools.

Host :
Mark Jones
Founder of ReviewMyMortgage.com
Producing Branch Manager
Directions Home Loan La Cantera
NMLS# 513437

Get in Touch with Mark
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guest :
Dylan Shively
Owner James Warren Group Inc.
Credit Expert

Get in Touch with Dylan
https://jameswarrengroupinc.com/

Dylan Shively is a published author (The Credit Files), father, husband, and army veteran who started his company James Warren Group in 2017 with one goal in mind. Helping others achieve what they thought to be the "impossible". Keeping that in the forefront of every business decision made daily, the business has grown into 23 different states and is currently serving over 3,000 clients!

Dylan has been recognized in ABC,NBC,CBS and FOX news along with recently being published in both FORBES magazine & YAHOO finance as a industry leader within the credit repair space and overall small business growth. Dylan helps others with their business and lastly stands proud as a leader within his community. Both his personal life and business are ran off of this quote : " Do what is right. Not what's easy."

Find out how to become a PRO-Lender in your area.
https://reviewmymortgage.com/get-started/

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In this episode I invite 2 Veteran Leaders in our community to discuss all there is to know about the Veteran. Levi Rodgers, Top Real Estate Team in San Antonio & Chris Cano, Branch Manager of predominantly Veteran serviced mortgage lender, who is dedicated to educating as many as possible on the benefits that our veterans have earned for serving out great country.

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guest :
Chris Cano
Branch Manager
Aligned Mortgage
NMLS# 879294
Get in Touch with Chris.
https://www.alignedmortgage.com/team/chris-cano/

Guest :
Levi Rodgers
Team Leader
Levi Rodgers Group
Get in Touch with Levi.
https://www.levirodgersgroup.com/

About Chris.
Military City USA was introduced to Aligned Mortgage in 2016. The infectious vision of nurturing San Antonio’s military community sprouted from Chris Cano. He was born and raised on the southeast side of San Antonio, Texas. Following his father’s, a Vietnam Sailor, and brother’s footsteps, Chris enlisted in the United States Navy in 2001 as a Nuclear Machinist Mate, graduating from Naval Nuclear Power Training Command as one of the top students.

After 10 years in the Navy, Chris was divinely introduced to Tony Dias (now business partner), a prior service Marine, who inspired him to begin his journey in the mortgage industry. Chris turned his passion of serving in the Military into a passion of helping his fellow shipmates, active duty service members, and Veterans acquire property in the country they also helped defend. Leading teams in Hawaii and San Diego was the beginning of what sprouted Chris’ vision of growth. After God called Chris’ dad home in 2015, his purpose was geared towards expanding the business to his hometown where he can involve his family in helping him execute his mission.

About Levi.
Levi’s Military Awards and Decorations: Bronze Star Medal (4), Legion of Merit (1), Purple Heart Medal (1), Meritorious Service Medal Combat Infantry Badge Master Parachutist Badge, Military Freefall Badge Sapper Tab, Special Forces Tab, plus many more awards and decorations.

Levi’s Professional Awards: 2021 San Antonio Business Journal No. 1 Team with Five or More Members, Rookie of the Year, 100 Percent Club Award, Platinum Club Award, Diamond Club, Pinnacle Club, and the Rising Star Award. San Antonio Business Journal Top 50 Realtors and is a RE/MAX Hall of Fame Member. #1 RE/MAX team in Texas 2020. #1 RE/MAX team in San Antonio, 2017-2020. Secretary of Defense 2019 Freedom Award Recipient. He is also a recent graduate of the Leadership San Antonio (LSA).

This podcast is Powered By : ReviewMyMortgage.com
“largest index of mortgage programs… Nationally.”

Find out how to become a PRO Lender in your Area.
https://reviewmymortgage.com/get-started/

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This could change the trajectory of your career... In this episode I invite Andres Ibarra & Jason Anderson, two producing Branch Managers from VIP Mortgage in San Antonio, to discuss the powerful tools that we as mortgage PROS have but might not be utilizing properly... Or even at all.

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guest :
Andrew Ibarra
Loan Officer
VIP Mortgage
NMLS# 1775931
Get in Touch with Andrew.
https://andrewibarra.vipmtginc.com/

Guest :
Jason Anderson
Loan Officer
VIP Mortgage
NMLS# 1432776
Get in Touch with Jason.
https://jasonanderson.vipmtginc.com/

This podcast is Powered By : ReviewMyMortgage.com
“largest index of mortgage programs… Nationally.”

Find out how to become a PRO Lender in your Area. 
https://reviewmymortgage.com/get-started/

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In this episode I invite Jody Trevino, New Loan Officer  to discuss his journey of transitioning from Realtor to Loan Officer.

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guest :
Jody Trevino 
Loan Officer
Directions Home Loan
NMLS# 2211449
Get in Touch with Jody.
https://lacanteraloans.com/loan-officer/jody-trevino/

This podcast is Powered By : ReviewMyMortgage.com 
“largest index of mortgage programs… Nationally.”

Find out how to become a PRO Lender in your Area. 
https://reviewmymortgage.com/get-started/

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In this episode I invite Eric Delgado, Master Meme’r to discuss tips and best practices on how to get noticed on social media.

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guest :
Eric Delgado 
Loan Officer Academy Mortgage Corp.
NMLS# 1546573
Get in Touch with Eric.
@i_meme_real_estate
https://pro.experience.com/pages/eric-delgado

This podcast is Powered By : ReviewMyMortgage.com 
“largest index of mortgage programs… Nationally.”

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Insurance is an important financial tool. It can help you live life with fewer worries knowing you'll receive financial assistance after a disaster or accident, helping you recover faster. For auto insurance, it could mean you have extra cash in hand to help pay for repairs or a replacement vehicle after an accident. When purchasing a home, most consumers don't know it can make or break your qualification potential.  Hear some tips and enlightening suggestions from this PRO discussion. 

Host :
Mark Jones 
Founder of ReviewMyMortgage.com 
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer 
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guest : 
James Cardenas
Insurance Broker
My Insurance Group

Get in Touch with James. 
https://www.myinsurancegroup.com/

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Host :
Mark Jones
Founder of ReviewMyMortgage.com
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guest :
Noe Gonzalez
Loan Officer
NMLS# 338155
Loan Depot
Get in Touch with Noe.
https://www.loandepot.com/loan-officers/noegonzalez

As a Loan Officer you will learn how to turn a crisis into commission to overall help your customer accomplish their goal of home ownership, by utilizing the FHA 203k Renovation loan for a primary residence.

What is a Renovation Loan?
A Renovation Loan is a convenient option for those interested in buying a “fixer-upper” or any home you plan to renovate upon purchasing. Rather than requiring homebuyers to have saved enough to complete expensive renovations or take out a second mortgage to do so, the Renovation Loan combines the financing for not only the mortgage for the purchase or refinancing of the home, but the funds needed for repairs and renovations as well, into one convenient loan. FHA 203(k) and Fannie Mae HomeStyle® Renovation Loans are available, saving the homebuyer valuable time and money as only one closing is needed.

What are the benefits of a Renovation Loan?
Renovation Loan benefits and features:
Buyers can purchase foreclosures, short sales or older homes with the funds to renovate prior to move in
One close for all required funds saves buyers time and money
Depending on loan type, renovations may include structural alterations or additions, electrical and plumbing, roofing and gutters, interior and exterior updates, paint, carpeting, landscaping, pools, and more.
Who may benefit from a Renovation Loan?
A Renovation Loan may the right fit for you if:
You’re a first-time or repeat homebuyer
You plan to buy a home that requires renovations
You’d like to refinance to renovate your existing home

Source : https://reviewmymortgage.com/loan-program/renovation-loans/?wpv_view_count=84&wpv-wpcf-available-in=Texas+-+South&wpv_filter_submit=Update

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In this episode you will join 3 top producing loan officers, as they discuss why it's important to stay in touch with your customers to leverage opportunities to help them save money and accomplish their bigger goals.  Plenty of nuggets along the way in this one. 

Host :
Mark Jones
Founder of ReviewMyMortgage.com
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
 Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guest :
Avery Duke
Loan Officer
NMLS# 1455702
Legacy Mutual
Get in Touch with Avery.
https://legacymutual.com/officers/avery-duke/

Guest:
Dionni Smith
Loan Officer 
NMLS# 1574222
 Directions Home Loan 
Get in Touch with Dionni. 
https://directionshomeloan.com/team-members/dionni-smith/

Also watch this episode on YouTube : https://youtu.be/Wfi2yj0sgv8
Like, Subscribe, and Listen to More Episodes. 

Texas Pro-Lender for ReviewMyMortgage.com 
https://reviewmymortgage.com/get-started/ 

https://reviewmymortgage.com/loan-program/refinance/?wpv-wpcf-available-in=Texas%20-%20South

Down Payment Assistance Resources for Customers and Lenders 
https://www.ehousingplus.com/
https://reviewmymortgage.com/loan-programs/
https://lacanteraloans.com/texas-loan-programs/

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Join Host Mark Jones, as he discusses The Good, Bad, and The Ugly about Down Payment Assistance with 2 Top Producing Loan Officers. 

Host : 
Mark Jones 
Directions Home Loan
Producing Branch Manager 
TX NMLS#513437

Guests :
Jennifer Jones 
Directions Home Loan
TX NMLS#1714289
Jjones@directionshomeloan.com

Matt Stansbury 
Directions Home Loan 
TX NMLS#1534206
mstansbury@directionshomeloan.com

Company Website 
www.LaCanteraLoans.com
www.DirectionsHomeLoan.com 

Texas Pro-Lender for ReviewMyMortgage.com 

https://reviewmymortgage.com/loan-programs/?wpv-wpcf-loan-purpose%5B%5D=Purchase&wpv-wpcf-minimum-down-payment=0&wpv_aux_current_post_id=2150&wpv_aux_parent_post_id=2150&wpv_view_count=2151

Down Payment Assistance Resources for Customers and Lenders 
https://www.ehousingplus.com/
https://reviewmymortgage.com/loan-programs/
https://lacanteraloans.com/texas-loan-programs/

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In this episode you will learn a few ways to leverage your earnings from Real Estate to grow your wealth from 3 people in the business, who practice what they preach.

Host :
Mark Jones
Founder of ReviewMyMortgage.com Loan OfficerTX NMLS#513437
Directions Home Loan
Producing Branch Manager
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guests :
Jade Florez
Hard Money Lender
Loan Consultant
Longhorn Investments
https://www.longhorninvestments.com/loan-details/apply-now/

Guest :
Scott Malouff
Realtor Team Leader
Malouff InternationalKeller Williams
http://scottmalouff.yourkwagent.com/

Company Website 
www.LaCanteraLoans.com
www.DirectionsHomeLoan.com 

Texas Pro-Lender for ReviewMyMortgage.com 

5 Star Mortgage Originators 
Become a Pro-Lender - https://reviewmymortgage.com/get-started/ 

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Join Host Mark Jones, as he discusses Interest Rates and how they really work with 2 Top Producing Loan Officers. 

Host : 
Mark Jones 
Directions Home Loan
Producing Branch Manager 
TX NMLS#513437

Guests :
Jennifer Jones 
Directions Home Loan
TX NMLS#1714289
Jjones@directionshomeloan.com

Matt Stansbury 
Directions Home Loan 
TX NMLS#1534206
mstansbury@directionshomeloan.com

Company Website 
www.LaCanteraLoans.com
www.DirectionsHomeLoan.com 

Texas Pro-Lender for ReviewMyMortgage.com 

5 Star Mortgage Originators 
Become a Pro-Lender - https://reviewmymortgage.com/get-started/ 

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Join our host, Mark Jones, as he has an insightful discussion with two of his newest Loan Officers to uncover and highlight the many Key Factors behind transitioning to the mortgage industry during a pandemic.

Host :
Mark Jones
Founder of ReviewMyMortgage.com Loan OfficerTX NMLS#513437
Directions Home Loan
Producing Branch Manager
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Guests :
Preston Jones
Loan OfficerTX NMLS#2012137
Directions Home Loan
https://lacanteraloans.com/loan-officer/preston-jones/
pjones@directionshomeloan.com

Guest :
Xavier Villarreal
Loan OfficerTX NMLS#2217153
Directions Home Loan 
https://lacanteraloans.com/loan-officer/xavier-villarreal/
xavier.villarreal@directionshomeloan.com

Company Website 
www.LaCanteraLoans.com
www.DirectionsHomeLoan.com 

Texas Pro-Lender for ReviewMyMortgage.com 

5 Star Mortgage Originators 
Become a Pro-Lender - https://reviewmymortgage.com/get-started/