Kapowich on Real Estate: Recent Episodes
Pat Kapowich
Realtor Pat Kapowich has a unique perspective on the housing market. He's been brokering residential real estate through several recessions and numerous housing cycles. His podcast, ‘Kapowich on Real Estate,’ spotlights brisk and astute observations with industry experts.
Join Realtor® Pat Kapowich and Title Officer Scott Heisey as they uncover the growing issue of financial elder abuse in real estate. Learn how to spot and prevent these scams.
Special Guest:
Scott Heisey, V.P. Northern California Operations Manager and Underwriter at Stewart Title of California, Inc.
Main Lesson Points from Scott Heisey's Interview:
- The exponential rise in elder financial abuse is due to the increasing elderly population.
- Caregivers are becoming primary abusers of seniors' finances.
- Red flags in property transactions that indicate potential elder abuse.
- The importance of involving family members in real estate transactions involving elders.
- The role of title companies in preventing fraudulent transactions.
- The impact of forged or fraudulent legal documents on elder property sales.
- There is a need for proper vetting and monitoring of caregivers.
- The significance of wild deeds as indicators of fraud.
- The misuse of powers of attorney in elder financial abuse.
- The role of notaries in ensuring the legitimacy of documents.
- Financial elder abuse often goes unreported or unnoticed.
- Strategies for real estate professionals to protect elderly clients.
ElderAbuse #RealEstateFraud #ProtectSeniors #FinancialSecurity #RealEstateTips #Realtor #HomeBuying Tips #HousingTrends
Scott M. Heisey
V.P. Northern California Title Operations Manager
Stewart Title of California, Inc.
http://www.stewart.com
scott.heisey@stewart.com
View another interview with Scott M. Heisey
**V.P. Northern California Title Operations Manager
View here:**
https://youtu.be/gIfglMTqqas?si=CDSOC5-S8rddk4Gz
Host:
Realtor® Pat Kapowich, Kapowich Real Estate
Part Art. Part Science. Kapowich Excels at Negotiations.
📞 Contact Me:
📍 Sunnyvale, California 🌞 📞 Office Landline: (408) 245-7700 🌐 www.SiliconValleyBroker.com
🔑 Industry Accreditations:
Graduate, Realtors® Institute
Seniors Real Estate Specialist
Certified Residential Specialist
Accredited Buyer Representative
Certified Trust and Probate Specialist
Certified Residential Real Estate Brokerage Manager
🔗 California Real Estate Broker License #00979413
Host: Realtor® Pat Kapowich
Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.
Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at Pat@SiliconValleyBroker.com. License: Broker# 00979413.
For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights. [https://www.siliconvalleybroker.com/market-trends}
In this pivotal episode of "Housing Market Savvy," we're applauding two monumental developments in the real estate sector.:
First, dive into the FCC's latest Telephone Consumer Protection Act amendment, a significant move that reshapes lead generation in real estate and mortgages. Discover how this change aims to seal the 'lead generator loophole' and what it means for industry professionals and consumers.
Then, shift gears to a groundbreaking legislative proposal in Congress, seeking to ban hedge funds from buying and owning single-family homes in the U.S. This bill addresses crucial issues of housing affordability and market accessibility.
Join host Pat Kapowich and stay tuned for an episode packed with critical updates and professional analysis!
Host:
Realtor® Pat Kapowich
Certified Residential Real Estate Brokerage Manager |Certified Trust and Probate Specialist
Broker #00979413
Kapowich Real Estate
Office: 408-245-7700; Pat@SiliconValleyBroker.com
https://www.siliconvalleybroker.com/
Host: Realtor® Pat Kapowich
Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.
Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at Pat@SiliconValleyBroker.com. License: Broker# 00979413.
For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights. [https://www.siliconvalleybroker.com/market-trends}
In California real estate, square footage truly matters, but only sometimes in the ways you'd expect.
"Beyond the Numbers" dives deep into the rising legal disputes surrounding incorrect square footage in home listings.
How can you ensure the numbers match reality, whether selling or buying? Join us as we unpack the importance of professional assessments, the role of transparency in listings, and the tools at your disposal to verify property measurements.
We will provide actionable steps for sellers and buyers, ensuring a smooth and honest transaction. Equip yourself with knowledge, avoid potential pitfalls, and confidently navigate the intricacies of square footage in today's real estate market.
Host: Realtor® Pat Kapowich
Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.
Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at Pat@SiliconValleyBroker.com. License: Broker# 00979413.
For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights. [https://www.siliconvalleybroker.com/market-trends}
This podcast episode will review the fundamental concept of contingencies in real estate transactions.
Listeners will understand contingencies, why they are essential, and how they function in residential real estate sales.
This episode will lay the foundation for a wide-ranging understanding of contingencies and their role in ensuring a smooth and protected real estate transaction process.
Host: Realtor® Pat Kapowich
For Housing Market Data in your area, visit my webpage for trends here.
Full-service Realtor Pat Kapowich is a Certified Trust and Probate Specialist, Certified Real Estate Brokerage Manager and career-long consumer protection advocate.
His hometown of Sunnyvale, California, in the heart of Silicon Valley is where he is based. Office: 408-245-7700; Broker# 00979413 Pat@SiliconValleyBroker.com
Want To Learn About Lending Issues in this Housing Market?
- Use These Real Estate Loan Strategies and Techniques to Achieve Smoother Home Sales.
- I have been interviewing real estate industry experts for 25 years.
- During that time, I have shared tips, mistakes, and examples from industry leaders.
TJ Roberts has mastered all residential real estate lending levels for over 25 years. She has invested so many hours into her craft that I must share her knowledge with you.
Topic #1: Fixed Rate vs. Adjustable Rate Home Loans
Three different types of lenders:
- Banks
- Mortgage Brokers
- Portfolio Lender
Topic #2: Representing Homebuyers
Seller Concessions:
- Seller Contributions
- Buying Down the Interest Rate
- Pre-Paid Interest = Points
- Closing Costs
- Alternative to Lowering List Price
Topics #3: Buydown the Interest Rate
- Permanent Buy Down
- Temporary Buy Down
- Available on Fixed or Adjustable Loans
Topic #4: Types of Loans
- Government Loans
- Veteran Home Loan Benefit
- Conventional Loan
- Jumbo Loans
- Conventional Loans
Topic #5: Mortgage Insurance
- Monthly Mortgage Insurance (MMI)
- Private Mortgage Insurance (PMI)
- Not a Penalty. It is a Real Benefit
Topic #6: Interest Rate Lock
- When to Lock the Rate
- 30, 45, or 60 Days
Topic #7: Seller Contributions for Selling
- Increase Buyer Pool
- Fewer Days on market
- Better than Price Reductions
- In a Rising Interest Rate Market
- What Closing Costs
Topic #8: Loan Application Process
- Hard Pull Credit Reports
- Soft Pull Credit Reports
- Opt-Out Website
- Secured Portal
- Loan Processor
- Loan Underwriter
Topic #9: Appraisals
- Estimate of Value
- Trailing Indicator
- Recent Closed Sales
- Bracketed Value
Topic #10 Monies
- Earnest Money Deposit
- Balance of Down Payment
Topic #11: The Escrow Process
- Escrow Office
- Escrow Officer
- Title Officer
- Title Insurance
Topic # 12 Gift Money
- Change in Guidelines
- Borrowing from 401K
- Overseas Funds
Topic #13: Condition of Properties
- Presale inspections and Repairs
- Veteran's Administration
- Lenders follow the Contract
- Escrow Holdback
Topic #14: Mobile vs. Modular
- City Charter
- Entry Level
- Exit Housing
- Lending Differences
- Space Rent
- Type of Foundation
- Consumer Loan in Park
- Real Estate Loan on Land Owned
TJ Roberts, Branch Manager
Mortgage Loan Officer 1457455
Email: TJRoberts@prmg.net
Office: 408-660-3484
Direct: 408-802-8522
1762 Technology Drive #106
San Jose, CA 95110
TJ Roberts
Branch Manager | NMLS# 1457455
It's no secret that sellers often need to offer mortgage points to potential buyers to sell a home.
- What many people don't realize, however, is that even if you're the homebuyer, it's sometimes worth your while to pay points too.
- How do rising interest rates impact the market?
Let's examine why paying points might be a good idea in today's market.
- What is a point, and why do sellers pay them?
- How does buying down the interest rate work?
- What are the benefits of buying down the interest rate?
- What are points and how do they work when buying a home?
- When is it a good idea to buy down the interest rate?
Special Guest:
Tanja “TJ” Roberts has been in lending since 1986, starting as a summer job that has been a wonderful endless summer. She has worked in many facets of the industry including: Underwriting, Closing, Escrow, Appraisal, Corporate Training, Account Executive for Wholesale, Branch Sales Manager, District Sales Manager, Mortgage Loan Originator and Branch Manager for Retail Branch.
TJRoberts@prmg.net
408-802-8522
License CA-DBO1457455
NMLS# 1457455
Regarding the real estate market, few issues are more contentious than buyer remorse. The current climate, driven by the COVID pandemic, is no exception. Disputes over deposits have become increasingly common as buyers try to recoup some of their investments due to issues with homes undiscovered during the buying process.
Anthony F. Ventura
Ventura Hersey & Muller, LLP
Tel (408) 512-3022
aventura@venturahersey.com
https://venturahersey.com/
Three ways to buy and sell homes simultaneously.
Are you looking to buy a home and sell your current home at the same time?
You’re not alone! In this video, I’ll share three ways that you can buy and sell homes simultaneously without running into any major roadblocks.
Guest:
Creighton Galloway
Loan Officer
Lending in CA, AZ, CO, ID, MO, OR, TX & WA
900 E Hamilton Avenue #100
Campbell, CA 95008
(408) 410-4422
Company NMLS #1850 I NMLS #282680
Equal Housing Opportunity
creighton@o2mtg.com I o2mtg.com/creighton
Scott Heisey, Stewart Title's Vice President and Manager of the firm's Trust Department, recently sat down with Pat Kapowich to discuss the difference between trust and probate and between a will and a trust. Heisey explained that when a person dies intestate (without a will), their assets are distributed according to state law.
However, if a person dies testate (with a will), their assets are distributed according to the terms of their will.
Heisey also explained that a trust is an arrangement whereby a trustee holds and manages property for the benefit of another person, known as the beneficiary. A trust can be either revocable or irrevocable. A revocable trust can be amended or revoked by the settlor (the person who created the trust), while an irrevocable trust cannot be amended
Guest: Scott Heisey
Company Name: Stewart Title of California, Inc.
Email: Scott.Heisey@Stewart.com
Phone: Cell: 408-489-5288
Larry Stone has undoubtedly had an exciting career journey. As the Santa Clara County Assessor, Larry has a wealth of knowledge about the economy, housing market, and other vital issues. And he's not afraid to share his thoughts about the past, present, and future. For instance, Larry is a big proponent of Silicon Valley and all that it has to offer. He believes that the area is poised for continued growth and prosperity - even during the COVID-19 pandemic. However, he also acknowledges that some challenges need to be addressed, particularly regarding housing. Either way, it's clear that Larry Stone is a man who knows what he's talking about - and we're lucky to have him on the podcast.
Veteran Realtor Pat Kapowich's podcast #2 provides straight talk about the current state of the real estate market. He covers a wide range of topics, including the strength of the market despite current conditions, the softening of the seller's market, and homeowner equity wealth.
He also addresses concerns about a possible housing bubble, exploring factors such as unemployment, cash in American savings accounts, and forecasted appreciation rates. His no-nonsense style is easy to follow, and his insights are invaluable for anyone considering buying or selling a home. Whether you're a first-time homebuyer or a veteran investor, listening to Kapowich's podcast is essential.
Host Pat Kapowich’s discussed trending residential real estate topics beginning with a series on national home sales, seller disclosures, and “Are we in a housing?”
Realtor Pat Kapowich, is a Certified Residential Real Estate Brokerage Manager.
Looking for reliable consumer-protection information about the home buying and selling process and housing trends? In the market to buy or sell a home? Wondering what it is like to be on the other side of the real estate transaction?
Look no further than Realtor Pat Kapowich's new Podcast series! A real estate variety show. In straightforward and easy-to-follow episodes, Pat breaks down the complex world of residential real estate so that one can make informed decisions every step of the way. Whether a first-time buyer or seller or an experienced professional, there is something for everyone in this invaluable resource. Do not miss out – tune in today!