A new rule in Oregon tries to limit real estate team names, and we ask the blunt question: does anyone hiring an agent actually care about the brokerage logo—or do they care about results? That debate launches us into a bigger conversation about AI’s real impact on housing: where the tools help, where they fail, and how smart pros can use them without losing the human touch. From the lending seat, we talk through practical wins like faster guideline research, cleaner client emails, and bette...
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A new rule in Oregon tries to limit real estate team names, and we ask the blunt question: does anyone hiring an agent actually care about the brokerage logo—or do they care about results? That debate launches us into a bigger conversation about AI’s real impact on housing: where the tools help, where they fail, and how smart pros can use them without losing the human touch. From the lending seat, we talk through practical wins like faster guideline research, cleaner client emails, and bette...
A new rule in Oregon tries to limit real estate team names, and we ask the blunt question: does anyone hiring an agent actually care about the brokerage logo—or do they care about results? That debate launches us into a bigger conversation about AI’s real impact on housing: where the tools help, where they fail, and how smart pros can use them without losing the human touch. From the lending seat, we talk through practical wins like faster guideline research, cleaner client emails, and bette...
A twelve-foot skeleton on the lawn might grab attention, but it won’t close the deal—clear facts and smart decisions will. We dive into the most persistent myths in real estate and lending and replace them with practical, real-world guidance you can use right now. From the misconception that you need 20% down to the belief that perfect credit is mandatory, we explain what actually matters, how programs differ, and why taking action beats waiting for the “perfect” moment. We get candid about ...
We trade jokes for candor about a tough housing cycle, why purchase pipelines feel thin, and how to stay steady when wins are scarce. We map out practical ways agents and lenders can adapt with AI, consistent social content, and realistic success metrics that match this market. • why the current market feels harder than 2008 for many • lenders’ shift from refi booms to purchase scarcity • managing slumps, mindset, and redefining success • how AI and ChatGPT change homebuyer search • social m...
Ever notice how home appraisals seem to land right on the contract price—down to the dollar? We unpack that mystery with a practical, step-by-step look at how appraisals are ordered, how appraisers get assigned, what the on-site visit includes, and why market timing can change fees and turnaround without warning. From Halloween banter to hard numbers, we take you behind the scenes of the appraisal department so you know what’s happening and when. We walk through the decisions that actually m...
Ever wonder if changing jobs mid‑mortgage will sink your approval, or if you can keep the seller’s hot tub—and their couch? We dive into the decisions that quietly make or break a real estate deal: how lenders view salary versus commission, when a “guaranteed” bonus actually counts, and why stability beats speculation every time. We also unpack what truly conveys with a home, why you should never assume the fridge stays, and how a clean, specific contract prevents move‑in day letdowns. Money...
Buying a home can feel overwhelming, especially when faced with the mortgage pre-approval process. Many prospective buyers delay this crucial first step, relying instead on Zillow calculators or avoiding lender conversations altogether. Why? Fear of commitment, anxiety about sharing financial information, and misconceptions about what the process actually entails. In this candid conversation, Joe Skipper and mortgage expert Cody Wilhelm pull back the curtain on the pre-approval process, reve...
Joe Skipper and Cody Wilhelm dive into the essential tools, apps, and strategies that have helped them build successful real estate and mortgage businesses. They share both technical solutions and fundamental practices that make a difference in productivity and client relationships. • Tracking daily activities with the Greatness Tracker to maintain accountability • Using OneNote for comprehensive organization of tasks, transactions, and content planning • Sphere CRM for automated client touc...
The brutal truth? The current real estate and lending market is leaving many professionals questioning their future in the industry. High interest rates have slashed buyer pools, deals are harder to find, and the feast-or-famine income cycle is pushing talented people toward more stable careers. But as Joe Skipper and Cody Wilhelm reveal in this candid conversation, there's a clear path forward for those willing to adapt. They pull back the curtain on what's actually working right now, parti...
Mortgage rates are driving today's strange real estate market despite high demand and low supply, creating affordability challenges for buyers and homeowners alike. • Current mortgage rates are hovering around 6.9%, making affordability the main obstacle for many buyers • Homeowners with 3% rates feel trapped, wanting to move but unable to afford higher rates on new properties • Rates may eventually return to the low 5% range, but the timeline remains uncertain • Down payment amount and cred...
Joe and Cody explore tech tools revolutionizing real estate content creation and demystify common mortgage terminology that often confuses homebuyers. They share practical insights on leveraging AI for business efficiency while breaking down complex financing concepts in simple, actionable terms. • Captions app automates video editing for real estate professionals, saving hours of work while creating professional-looking content • ChatGPT and AI assistants have evolved beyond search engines ...
Joe and Cody discuss the current real estate market conditions and share cautionary tales from their experiences in the industry. • Oregon and Washington markets remain stable despite media narratives about housing crashes • The current market requires more patience from sellers as buyers take longer to make decisions • Joe shares a close call where incorrect paperwork almost cost him an entire commission • Cody recounts a story of buyers with employment gaps who ultimately walked away from ...
Joe and Cody explore how economic uncertainty is affecting the real estate market and share stories of their worst jobs before entering the industry. • Market volatility is driven by economic uncertainty rather than interest rates • Job security concerns are making potential buyers hesitate despite getting comfortable with higher interest rates • Difficult political decisions often hurt some people while benefiting the majority • Government spending cuts cause short-term pain but may be nece...
Ever wondered what real estate agents and mortgage lenders really think about their most challenging situations? In this refreshingly candid episode, Joe Skipper of Skipper Realty Group and Cody Wilhelm of Wilhelm Loans tackle a series of hilarious "Would You Rather" scenarios that pull back the curtain on the housing industry. The duo dives deep into professional dilemmas that most industry professionals only discuss behind closed doors. Would they rather work with fantastic clients paired ...
Joe and Cody take a break from their usual real estate and mortgage topics to explore the challenges of self-censorship in their professional lives and share their excitement about the Masters Tournament. • The struggle of wanting to make humorous comments on social media while maintaining professional appearances • How leaving politics behind brought unexpected peace and reduced stress • Recent market volatility related to tariff announcements creating an uncertain economic environment • Ch...
We reflect on what we would have done differently in our twenties, sharing personal regrets and lessons learned that might help listeners avoid our mistakes. • Investing in multiplex properties early creates lasting financial benefits • Poor credit habits create barriers to homeownership and financial freedom • The value of a college degree may not always justify the cost • Student loans without financial literacy education create long-term burdens • Maintaining physical fitness and athletic...
What lies at the intersection of creativity and compliance in the world of real estate and lending? Join us as we unravel the branding conundrum with insights from Joe Skipper of Skipper Realty Group and Cody Wilhelm from Residential Mortgage. They share their personal journeys, highlighting the tug-of-war between authentic personal branding and the regulatory demands that shape their industries. Cody navigates the tightrope of lending regulations, offering a glimpse into his world where mark...
A new rule in Oregon tries to limit real estate team names, and we ask the blunt question: does anyone hiring an agent actually care about the brokerage logo—or do they care about results? That debate launches us into a bigger conversation about AI’s real impact on housing: where the tools help, where they fail, and how smart pros can use them without losing the human touch. From the lending seat, we talk through practical wins like faster guideline research, cleaner client emails, and bette...
