The Texas Real Estate & Finance Podcast with Mike Mills

Mortgage rates are haunted by a $37 trillion debt—and Realtors need to know why. In this week’s episode, Mike Mills breaks down how national debt, gold revaluation, and the Fed’s rate games shape today’s housing market. Discover what it all means for real estate finance, your buyers, and the future of home affordability.📌 Episode Overview:Mortgage rates and debt take center stage in this week’s episode as Mike Mills unpacks how $37 trillion in U.S. borrowing shapes the real estate and mortgage landscape. Learn why the Fed’s “rate cut trap” could mislead homebuyers, how gold and stablecoins might secretly fund government liquidity, and what this means for affordability in Texas. Realtors will discover actionable strategies to prepare clients for rate volatility, use AI tools to manage transactions, and turn uncertainty into opportunity. This episode answers key questions like: “How does U.S. debt affect mortgage rates?” and “Should homebuyers act before rates drop below 6%?”Key Takeaways:1. The $37 Trillion Shadow Over Mortgage RatesU.S. debt is the hidden engine behind rising mortgage rates. As Treasury yields climb to attract buyers, housing affordability tightens across Texas and beyond. Realtors who understand this connection can better guide clients through volatile conditions.2. Gold and Stablecoins: The Fed’s Quiet Liquidity TrickThe government may use gold revaluation and stablecoins to engineer new liquidity without official stimulus. These experimental moves could reshape long-term lending costs and investor confidence in real estate markets.3. The Rate Cut Trap Every Buyer Should AvoidWaiting for a 5% mortgage rate could cost buyers more in bidding wars. When that moment comes, prices surge and leverage disappears. Smart Realtors prepare their clients to act before the crowd—using seller concessions, rate buydowns, and strong pre-approvals now.4. Hard Assets Beat Uncertain CashAs the dollar weakens under record debt, tangible assets—especially real estate—remain one of the most stable hedges against inflation. This insight helps Realtors position homeownership as both a lifestyle and a financial protection strategy.5. AI Tools Are the Realtor’s Edge in 2025Mike explains how ChatGPT-style AI assistants can automate client communication, track transactions, and personalize updates. Realtors who master AI integration will save hours each week while delivering a premium client experience.🔗 Resources:Mentioned in the Episode• Podcast Website → https://www.thetexasrealestateandfinancepodcast.com• Linktree (All Links + Contact Info) → https://linktr.ee/mikemillsmortgage• Service First Mortgage (Mike’s Company) → https://www.millsteammortgage.com• Mortgage News Daily Rate Index → https://www.mortgagenewsdaily.com/mortgage-rates• U.S. Department of the Treasury Data → https://home.treasury.gov/data/debt-to-the-pennyRelated Episodes to Explore• Realtor Strategies for Falling Rates: How to Guide Clients in a Changing Market → www.thetexasrealestateandfinancepodcast.com/realtor-strategies-falling-rates• Mortgage Rate Forecasting: What Realtors Need to Know for 2025 → www.thetexasrealestateandfinancepodcast.com/mortgage-rate-forecastingRecommended Tools for Realtors• ChatGPT for Realtors – AI Workflow Setup• Texas Real Estate...

40% of realtors fear for their safety. What if your smartphone became the most powerful agent panic button you already carry? Cathy Hickman, co-creator of SafeAgent, explains how realtor safety technology transformed after three men ambushed her at a showing—and why slower markets create the most dangerous conditions for solo agents.EPISODE OVERVIEWRealtor safety technology saves lives, but only if agents actually use it—which is why SafeAgent co-creator Cathy Hickman built protection into devices you already carry. This episode reveals why traditional agent panic button systems fail (they're forgotten, visible to perpetrators, and require expensive hardware plus subscriptions), and how AI emergency alert technology solved these problems through smartphone and smartwatch integration.Cathy shares her harrowing squatter experience, explains why nearly one in five realtors have experienced life-threatening situations, and walks through comprehensive showing security protocols that go beyond technology. Learn which real estate security measures to implement before arriving at properties, why slower markets create more dangerous conditions than busy ones, and how emergency contacts experience the system (her son at Texas A&M loves the peace of mind).What self-defense training do real estate agents actually need beyond safety technology? Cathy's insights from jiu-jitsu training and her husband's law enforcement career provide practical answers.KEY TAKEAWAYS1. Slower Markets Create Greater Safety Risks for Solo AgentsRealtor safety technology becomes even more critical during market slowdowns when fewer people are present at showings to witness potential crimes. Cathy Hickman explains how realtors are inherently predictable targets—your name, phone number, brokerage, and showing schedule are posted publicly across the internet, making it easy for perpetrators to track your movements. During busy markets, multiple showings and active properties provide natural witnesses, but slower periods create isolated opportunities where agents are truly alone with unknown clients at vacant properties.2. Traditional Panic Buttons Fail Because Agents Forget ThemAgent panic button devices that require separate hardware consistently fail in real-world scenarios because they get left in cars, forgotten at home, or aren't worn properly due to poor aesthetics. Cathy's husband discovered this pattern through his corporate security work—even high-level executives regularly failed to carry their panic devices. Additionally, visible panic buttons can be recognized by perpetrators who simply instruct victims not to activate them. SafeAgent's smartwatch safety alert integration solves this by embedding protection into devices agents already carry every single day, eliminating the "forgot my panic button" problem entirely.3. AI Emergency Alert Systems Provide Discrete Protection in 60 SecondsModern realtor safety technology leverages AI monitoring services that respond within one minute when agents activate emergency alerts through their smartphone or smartwatch. The system texts first to verify accidental activation, then calls within 30 seconds—communication that appears completely normal since realtors constantly receive messages during showings. If there's no response, police are automatically dispatched to the agent's live GPS location without perpetrators ever knowing help was summoned. This discrete emergency response approach keeps situations from escalating while ensuring rapid professional intervention.4. Comprehensive Safety Protocols Must Layer Beyond TechnologyShowing security protocols require multiple defensive layers before technology ever activates. Cathy...

Falling mortgage rates are reshaping the housing market—are you ready to guide your clients with confidence? In this episode, Mike Mills sits down with Steve Barton, EVP of Sales at Service First Mortgage, to break down what Fed rate cuts really mean for Realtors. Discover the strategies you need now to help buyers and sellers make smart moves in a shifting market.Episode OverviewRealtor strategies for falling rates take center stage in this episode of The Texas Real Estate & Finance Podcast. Mike Mills and guest Steve Barton dive into how Fed policy, bond markets, and mortgage rates intersect—and why Realtors must understand the difference between Fed rate cuts and actual mortgage pricing.Listeners will learn:Why emotions drive the market as much as economics.How buyer affordability shifts with even small drops in rates.Why sellers must rethink concessions vs. price reductions.Realtors are asking: “How will Fed rate cuts affect mortgage rates in 2025?” This conversation unpacks that question, while also tackling inventory, inflation, and database management. If you’ve been waiting for clear, Realtor-focused insights on when to act—and how to guide clients through uncertainty—this episode gives you a playbook.Key Takeaways1. Fed Cuts ≠ Mortgage RatesSteve explains why Fed rate cuts don’t always mean lower mortgage rates. Realtors must watch 10-year Treasury yields and market reactions to truly understand rate movement.2. Affordability Shifts FastEven a half-point drop in rates can expand buyer power significantly. Realtors should prepare clients now so they’re ready to act when opportunities open.3. Seller Strategy: Concessions Over Price CutsMike and Steve emphasize that seller concessions often deliver greater immediate value than price drops—helping buyers cover closing costs, buy downs, or even months of no payments.4. Database = Realtor GoldmineA Realtor’s database isn’t just past clients—it’s friends, family, and community ties. Managing it properly creates recurring deals, referrals, and long-term wealth.5. Prepare, Don’t PredictNobody can perfectly forecast rates. Realtors who prepare clients early, underwrite upfront, and educate consistently will win regardless of short-term rate swings.Resources Mentioned in This EpisodePodcast Website – Access past episodes and show updates – https://www.thetexasrealestateandfinancepodcast.comMike’s Linktree – Mortgage tools, resources, and contact info – https://linktr.ee/mikemillsmortgageSFMC Home Lending – Steve Barton’s Page – Learn more about Steve’s role and connect with him – https://sfmc.com/loan-officer/stevebarton/Freddie Mac PMMS (Primary Mortgage Market Survey) – Track weekly mortgage rate trends – https://www.freddiemac.com/pmmsRealtor.com Housing Market Data – Weekly inventory and market insights – https://www.realtor.com/research/✅ If you found this episode valuable, don’t forget to subscribe, share, and leave a review so more Realtors can discover strategies for thriving in a changing market.

Unlock land income opportunities today: Realtors learn how RV parking income turns idle lots into monthly cash flow. Curious how to pitch this to sellers for instant value? This episode shows a practical Realtor land strategy you can use this week.Episode OverviewLand income opportunities aren’t just for big developers—Realtors, investors, and everyday landowners can tap into passive RV rental income. In this episode, Mike and Caylee Harrington break down how HookHub helps connect RV travelers with underutilized lots, turning unused property into cash-flowing assets.Realtors will learn how to present land listings with built-in income potential, how to answer client questions like “What’s the value of my land if I rent it before selling?”, and how to leverage this strategy to stand out in listing presentations. With market data, pricing examples, and real stories from hosts, this episode shows why the RV lifestyle is more than a trend—it’s a business opportunity.Key Takeaways1. Realtors Can Differentiate Listings with Income PotentialBy highlighting land income opportunities, Realtors can show sellers how a property generates cash flow before it sells. This adds value in listing presentations and helps Realtors stand out in competitive markets.2. Passive Land Income Works Without Major UpgradesOwners don’t need full hookups to earn. Even raw land or storage parking can create passive land income, giving Realtors an extra strategy when advising clients.3. Demand Comes from Remote Workers and Travel NursesCaylee explains how long-term renters like travel nurses, contractors, and remote workers drive consistent RV parking income. Realtors can frame this trend as proof of steady demand.4. Liability Concerns Are Addressed with Host ProtectionsOne barrier to adoption is landowner liability. HookHub includes host coverage and renter verification, which Realtors can confidently mention when promoting land income opportunities to clients.5. Realtors Can Use HookHub as a Business Growth ToolBy understanding Realtor land strategy and introducing clients to HookHub, Realtors position themselves as trusted advisors who bring creative solutions—not just traditional transactions.ResourcesHookHub – RV rental platform for landowners – https://www.hookhub.coCaylee Harrington LinkedIn – Connect with the guest – https://www.linkedin.com/in/caylee-shea-harrington-2a863134/HookHub Instagram – RV lifestyle updates & listings – https://www.instagram.com/hookhubrv/HookHub YouTube – Learn more about RV hosting & land income – https://www.youtube.com/@hookhubrvPodcast Website – Access past episodes – https://www.thetexasrealestateandfinancepodcast.comMike’s Linktree – Mortgage tools & resources – https://linktr.ee/mikemillsmortgageIf you’re ready to uncover new land income opportunities, this episode is packed with actionable insights you can use in your...

Stop missing hidden listings. Texas probate real estate is a rich source of motivated sellers and probate real estate deals most agents overlook. In this episode, Harvard-trained attorney Carey Worrell reveals how Realtors can uncover probate property opportunities, build attorney partnerships, and resolve heir property disputes without losing commissions.Episode OverviewTexas probate real estate is one of the most overlooked opportunities in today’s market. In this episode, Harvard-trained attorney Carey Worrell breaks down how Realtors can uncover probate property opportunities, build attorney partnerships, and resolve heir property disputes without losing deals. If you’ve ever asked, “How can I find motivated sellers who actually want to move quickly?”—this conversation has your answer.Mike and Carey explore probate listing strategies, why heirs sell differently than traditional homeowners, and how Realtors can protect themselves legally while serving clients better. You’ll also learn how AI probate lead generation tools are reshaping the way agents identify hidden deals. This is must-know insight for Realtors ready to grow smarter with business growth strategies that work.Key Takeaways1. Probate Sellers Are Highly MotivatedUnlike traditional homeowners, heirs selling inherited homes usually want cash quickly. Carey explains why this makes probate property opportunities easier to close and less emotionally charged than standard listings.2. Attorney Partnerships Create Reliable ReferralsBuilding strong Realtor–attorney partnerships is the fastest way to access consistent probate real estate deals. Carey stresses that most heirs follow their lawyer’s referral, making these connections crucial for Realtors.3. Know the Red Flags at Listing AppointmentsRealtors should learn the questions that reveal probate title issues early. Carey shares how spotting these signals can prevent delays and position the agent as an expert in Texas probate real estate.4. AI Tools Are Reshaping Lead GenerationNew AI probate lead generation platforms are helping Realtors identify overlooked probate properties faster. Mike and Carey highlight how agents can combine tech with relationships to build a steady deal pipeline.5. Probate Real Estate Is a Long-Term NicheFrom heir property disputes to multi-generational ownership, Carey shows that patience pays off. Realtors willing to stick with probate transactions can secure higher commissions and create a repeatable business growth strategy.Resources Mentioned in This EpisodeSimpleLawTX – Probate and real estate legal services across Texas – https://www.simplelawtx.comCarey Worrell Instagram – Realtor-focused probate education & content – https://www.instagram.com/simplelawtx/Carey Worrell LinkedIn – Connect with Carey and grow your professional network – https://www.linkedin.com/in/carey-worrell-jd/Carey Worrell YouTube – Educational videos on probate & law – https://www.youtube.com/@SimpleLawTXAlways Available ResourcesPodcast Website – Access past

Mortgage rate cuts are back on the table — but will they actually help buyers, or just push prices higher? In this week’s Texas Real Estate & Finance Podcast, Mike Mills breaks down the Fed’s latest signals, housing market shifts, and the AI tools Realtors can use to stay ahead. If you’re a Realtor navigating 2025 chaos, this one’s for you.Episode OverviewThe Mortgage Rate Cut Outlook 2025 is finally shifting, but what does it actually mean for Realtors, buyers, and sellers? In this episode, Mike Mills dives into the Fed’s Jackson Hole updates, Texas housing market stats, and the impact of inflation vs. jobs data. Realtors will learn:Why mortgage rates don’t always follow Fed cutsHow to frame buyer conversations around payments, not headlinesWhy sellers should price right in the first two weeksHow AI workflows can turn client interviews into personalized marketingIf you’ve been asking: “How can Realtors prepare clients for rate cuts?” or “What mortgage strategies still work in 2025?” — this episode has the answers.Key Takeaways1. Mortgage Rate Cut Outlook Is ComplexThe Fed may cut rates in September 2025, but mortgage rates don’t always move in lockstep with Fed policy. Realtors must educate clients that affordability depends on both rates and home prices, not just one headline.2. Buyer Concessions Beat Price CutsA $10,000 price cut lowers a payment by just $65/month, but $10,000 in concessions saves real cash today. Realtors should coach buyers to negotiate concessions rather than chasing small monthly savings.3. Sellers Must Price Smart EarlyThe first two weeks on market are critical. Overpricing leads to stagnation, price cuts, and lowball offers, while sharp pricing sparks competition and higher final sales. Realtors must guide sellers to hit the market aggressively.4. Texas Housing Market Is SplinteredDFW is sliding, Houston is holding strong, Austin is still 17% below its peak, and San Antonio is affordable but cutting prices. Realtors need to tailor strategies to each local market instead of following national headlines.5. AI Can Personalize Client ExperiencesRecording and transcribing the first buyer/seller meeting allows Realtors to use AI (ChatGPT, NotebookLM) to generate presentations, follow-ups, and long-term profiles. For less than $50/month, Realtors can automate personalization like a Fortune 500 marketer.🔗 Resources• Podcast Website → https://www.thetexasrealestateandfinancepodcast.com• Linktree (all links + contact) → https://linktr.ee/mikemillsmortgage• Mortgage News Daily (rate index source) → https://www.mortgagenewsdaily.com• Otter.ai (transcription tool) → https://otter.ai• Related Episode → “Mortgage Rate Forecasting: What Realtors Need to Know for 2025”Enjoying the podcast? Subscribe and leave a review to help more real estate professionals discover these insights!

Confused about when mortgage rates will finally drop? You're not alone—and this episode brings the answers. Kendall Garrison, CEO of Amplify Credit Union, joins Mike Mills to unpack what the Fed’s latest decision means for interest rates, real estate professionals, and your clients’ wallets.🎯 Episode OverviewMortgage Rate Forecasting is top of mind for Realtors in 2025—and in this data-packed episode, we’re giving you the insights you’ve been waiting for.Mike Mills sits down with Kendall Garrison, CEO of Amplify Credit Union, to discuss the Federal Reserve’s recent decision not to cut rates, and what that signals for the housing market going forward. Together, they break down what real estate professionals need to understand about:The real reason mortgage rates haven’t droppedHow the bond market and inflation data are shaping 2025 predictionsThe surprising relationship between national debt, tariffs, and homebuyer affordabilityWhy fee-free banking is a game-changer for consumers and small businessesA long-term wealth strategy Realtors can share with clients nowThis is a must-listen if you're helping clients navigate rising costs, economic uncertainty, or struggling to make sense of rate volatility. By the end of the episode, you’ll walk away with actionable insights to use in conversations with buyers, sellers, and referral partners.💡 Key Takeaways📈 Why the Fed Isn’t Cutting Rates YetKendall explains that inflation data—not just unemployment or GDP—is the primary driver behind the Fed's decisions. Mortgage rates may not move until inflation hits a more consistent decline.🏦 How the Bond Market Controls Mortgage RatesRealtors often assume the Fed directly sets mortgage rates, but Kendall breaks down how the 10-year Treasury yield, investor sentiment, and global factors drive the mortgage-backed securities market.💰 National Debt and Housing AffordabilityRising U.S. debt means higher borrowing costs and unpredictable fiscal policies, which can push rates even higher. Kendall shares how this macro factor trickles down to affordability at the neighborhood level.🚫 Why Amplify Went Fee-FreeIn a bold move, Amplify Credit Union eliminated deposit account fees—something Kendall calls a moral and strategic imperative to support those most affected by traditional banking models.🏠 Real Estate Is Still a Long GameDespite market noise, Kendall reaffirms the power of real estate for long-term wealth—highlighting why buying, holding, and refinancing over time is still one of the smartest financial plays.📚 Resources from This Episode🔗 Podcast Website:https://www.thetexasrealestateandfinancepodcast.com🔗 Host Linktree:https://linktr.ee/mikemillsmortgage🎙️ Guest: Kendall GarrisonTitle: Chief Executive Officer, Amplify Credit UnionEmail: ceo@goamplify.comLinkedIn: https://www.linkedin.com/in/kendallgarrison/Company Website: https://www.goamplify.comYouTube Channel: https://www.youtube.com/@amplifycu✅...

Unlock the true power of AI in real estate. Learn how to automate your CRM, craft ultra-personalized outreach, and dominate local lead generation using the latest tools — all tailored for real estate pros. If you're a Realtor ready to elevate your marketing with smart automation, this episode is your blueprint.🔍 Episode OverviewIn this power-packed episode, Mike Mills sits down with Adam Gillespie, founder of Apex Elite AI, to break down how real estate professionals can transform their businesses using Realtor CRM AI integration. Adam shares his journey from musician to real estate AI expert and walks through how agents can personalize their messaging, automate lead follow-ups, and build content that actually connects. They dive into tools like Gamma.app, Notebook LM, and Suno AI, showing how to quickly generate custom listing presentations, smart follow-up sequences, and even personalized music for real estate videos.You’ll also learn the difference between SEO and GEO (Generative Engine Optimization), plus why agents must update their content strategy for AI-driven search platforms. This isn’t hype—it’s actionable strategy every modern Realtor needs.✨ Key TakeawaysAI + CRM = Lead Conversion PowerhouseAdam explains how to feed your AI tools personalized data, helping your CRM communicate in your authentic voice and follow up like a pro.Prompting Is EverythingLearn Adam’s proven "RGC" method (Role, Goal, Context) for writing effective prompts that generate human-sounding, lead-converting content every time.GEO Is the New SEODiscover why SEO is no longer enough — and how to shift toward Generative Engine Optimization to get found by AI search engines like ChatGPT and Perplexity.Tools That Save You HoursGamma.app, Notebook LM, and Suno AI are changing how agents create presentations, videos, and client resources in minutes instead of hours.The Right Way to Use ChatGPTUnderstand why proper prompting isn’t just about results—it’s about ethics, avoiding hallucinations, and ensuring your AI doesn’t affirm misinformation.👤 Guest Bio – Adam GillespieAdam Gillespie is the founder of Apex Elite AI, a real estate-focused AI training platform that equips agents to leverage automation, CRM strategies, and smart content generation. With a background in real estate and music, Adam brings a creative, technical edge to helping agents personalize their marketing and grow their businesses. He is the creator of Agent Prompt University, winner of the Inman AI Innovation Award, and a top thought leader in AI for real estate.Follow Adam Online:• Facebook – https://www.facebook.com/adamgillespieai• Instagram – https://www.instagram.com/adamgillespie_ai/• YouTube – https://www.youtube.com/channel/UCdJGQRmO11TQMVaTgVIg8tw• LinkedIn – https://www.linkedin.com/in/adamgillespieai/• LinkTree – https://linktr.ee/adamg303• Website – https://www.adamg303.com🔗 Resources Mentioned• 🎯 Adam Gillespie’s Coaching & Tools –

Rates are stuck, debt is exploding, and the dream of homeownership feels more like a financial fairytale. From $120K Bitcoin to $350K starter homes, this episode unpacks the chaos behind today’s real estate market with a punch of humor and a dose of hard truth. If you're a Realtor or mortgage pro trying to keep up, this is the episode that breaks it all down.📌 Episode OverviewIn this episode, Mike Mills — North Texas mortgage expert and host of The Texas Real Estate and Finance Podcast — delivers an unfiltered look at the state of housing in mid-2025. With mortgage rates stuck in the sixes, inventory creeping back to pre-pandemic levels, and affordability fading fast, Mike breaks down what’s really keeping buyers out of the market — and it’s not just the interest rates.Here's what you'll hear:The true cost of a $400K home in 2025 (and how it's changed since 2019)Why price, not just rates, is killing affordabilityHow ballooning U.S. debt and Treasury yields are driving mortgage trendsA data-packed breakdown of the Texas housing market (Dallas, Austin, San Antonio)Why fewer first-time buyers and lower birth rates could spell demographic doomPlus, a wild tour through crypto highs, job market shifts, and the week's most absurd headlines in the “Mike’s Mind” segmentWhether you're advising buyers, managing listings, or just trying to make sense of this market — this episode will give you the insight (and sarcasm) you need to stay one step ahead.🔑 Key Takeaways🏡 Housing Isn’t Just Expensive — It’s UnreachableEven with rates dipping slightly, most buyers are still priced out due to skyrocketing home prices, high insurance, and tax costs.📉 Mortgage Rates Are Not the Root ProblemRates get the spotlight, but the real villain is U.S. debt pushing up Treasury yields, making long-term rates stubbornly high.📊 2025 Looks More Like 2019 — KindaWhile inventory and days on market resemble pre-pandemic levels, prices are still 46% higher — leaving affordability stuck in limbo.👨‍💻 AI Agents Can Be Your Next AssistantThis week’s AI Tip breaks down how autonomous AI agents can manage your follow-ups, schedule showings, and make your CRM actually useful — no coding required.😬 The Demographic Time Bomb Is RealWith fewer first-time buyers and record-high renter rates, long-term housing demand is shifting in ways that could reshape the industry.🧰 Resources Mentioned🎧 Podcast Websitehttps://www.thetexasrealestateandfinancepodcast.com📲 Mike’s Linktreehttps://linktr.ee/mikemillsmortgage📉 Mortgage Rate Index – Mortgage News Dailyhttps://www.mortgagenewsdaily.com/mortgage-rates🔁 Automation Platforms:Zapier – https://zapier.com Make.com – https://www.make.com🧠 AI Agent Builders:ChatGPT – https://chat.openai.comAgentGPT – https://agentgpt.reworkd.aiLindy – https://www.lindy.aiReplit Ghostwriter – https://replit.com/site/ghostwriter👨‍💻 Freelance Help:Fiverr – https://www.fiverr.comUpwork – https://www.upwork.comEnjoying the podcast? Subscribe, leave a review, and share it with a fellow real estate...

Struggling to stand out in today’s market?AI is transforming how top Realtors generate leads, follow up, and close deals faster than ever. In this game-changing episode, Mike Mills and Ginger Bell reveal the real estate AI strategies that smart professionals are using to work less, earn more, and stay competitive in 2025 and beyond.📝 Episode OverviewReal Estate AI Strategy is no longer optional—it's your edge in a shifting market.In this episode, Mike Mills sits down with Emmy Award-winning producer and tech educator Ginger Bell to break down the practical ways AI is being used by real estate agents and mortgage pros to scale smarter. You’ll hear how AI tools like ChatGPT, Macy 365, and ROAM are helping industry professionals streamline lead follow-up, automate content creation, and optimize local branding.Topics covered include:How to build custom GPTs that handle repetitive tasksAutomating your marketing and lead nurturing with AITools like ROAM and Macy 365 that replace multiple platformsWhy real estate agents must become hyperlocal content creatorsWho today’s buyers really are—and how to create messaging that convertsWhether you're a solo agent, team leader, or broker-owner, this episode gives you the AI playbook to grow your real estate business in today’s digital-first market.🔑 Key Takeaways💡 Adopt AI as a Business StandardAI isn’t futuristic—it’s functional and already reshaping the real estate industry. Smart agents are using it now to automate workflows, lower overhead, and increase responsiveness.📞 Let AI Handle Your Follow-UpsTools like Macy 365 act as tireless assistants, reconnecting with cold leads, abandoned applications, and prospects you don’t have time to chase—without sounding robotic.📍 Own Your Local Market with AI-Driven ContentCreate hyperlocal videos, blogs, and SEO-rich pages in minutes using AI. The more your content reflects your community, the more likely you are to win with both clients and search engines.🏆 Compete with National Brands Without the BudgetGinger outlines how platforms like ROAM let independent agents and small teams operate like tech giants—at a fraction of the cost.👥 The Buyer is Evolving—So Should Your MessagingFrom Gen X investors to multigenerational buyers, today’s clients want more than a house—they want insight. AI helps you adapt your marketing to meet their specific needs.🔗 Resources MentionedAI Beehive – A curated directory of AI tools for real estate and mortgage pros:https://www.aibeehive.comAI Mastery Center – Online training for agents and loan officers using AI:https://www.go2training.com/aimasterycenterGo2Training – Custom training programs for real estate and mortgage professionals:https://www.go2training.comGinger Bell’s Website – Speaking, consulting, and resources:https://www.gingerbell.netNAMB Hive – Free community for mortgage professionals:https://www.skool.com/nambhive/aboutROAM Virtual Office – Combines Zoom, Calendly, and AI follow-ups for teams:

Crashing prices, rising inventory, and Bitcoin-backed mortgages—what could possibly go wrong? The Texas housing market shift is in full swing, and it’s turning traditional real estate wisdom on its head. If you’re a Realtor trying to stay profitable in this madness, this episode is your new playbook.Episode OverviewIn this fast-paced breakdown of the Texas housing market shift happening in Summer 2025, host and mortgage pro Mike Mills guides Realtors and lenders through the economic turbulence hitting Texas real estate.Here’s what’s inside:Why Austin’s inventory surge and falling home prices signal a new buyer’s marketHow the latest jobs report and Fed delays are impacting mortgage rate trendsWhat the newly passed “Big Beautiful Bill” means for affordability, taxes, and the future of housing financeAn AI tool that might outsmart your entire CRM system (Fello, we’re looking at you)And yes... there’s even talk of aliens, ancient tech, and Klarna credit scoresIf you’ve got listings that won’t move or buyers still waiting for rates to drop, this episode delivers the insight, humor, and tools you need to survive—and maybe even thrive—this summer.Key TakeawaysMortgage Rates Are Flip-Flopping AgainRates dipped, then bounced back slightly—but the Fed’s indecision means volatility is here to stay. Understanding what’s driving rate behavior is critical for advising buyers and timing your locks.Austin’s Buyer Market Is HereInventory in Austin is up 43%, and over half of sellers are slashing prices. This means Realtors must pivot fast—buyers have power, and overpriced listings will stall out quickly.The Fed, the Bill & the BacklashMassive federal policy changes are adding fuel to the debt fire. Elon Musk’s dramatic political pivot and warnings from the CBO reveal how high the stakes are for housing affordability and investor confidence.Fello: Your CRM’s AI-Powered SidekickFello integrates with your CRM to score, segment, and nurture leads based on real equity and ownership data. If you're sitting on a database of “maybe someday” leads, Fello helps you turn them into real conversations.When the Market’s Weird, Stay InformedBetween tech layoffs, public-sector hiring, and an interest cost crisis, staying updated is your competitive edge. This episode keeps it real—because Realtors don’t need fluff, they need facts (and maybe a little sarcasm).Resources Mentioned in This Episode🎙️ Episode Page – Full recap, tools, and timestamps:https://www.thetexasrealestateandfinancepodcast.com/texas-housing-market-shift📊 Mortgage News Daily – Daily Rate Indexes:https://www.mortgagenewsdaily.com/mortgage-rates🏦 Freddie Mac PMMS – Weekly Rate Trends:https://www.freddiemac.com/pmms🧠 Fello – AI-Powered CRM Optimization Tool:https://www.fello.com📅 Federal Reserve Meeting Calendar:https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm🔗 Connect with Mike Mills – Linktree:https://linktr.ee/mikemillsmortgageFinal NoteEnjoying the podcast? Make sure to subscribe, leave a review, and share this episode with a fellow agent. It helps more real estate pros stay informed, ahead of the...

Realtors, want to thrive—not just survive—in today’s market? This episode unpacks the AI Real Estate Revolution, showing how smart tech can supercharge your sales and client connections. Discover the must-use tools and mindset shifts that will elevate your real estate game.📌 Episode OverviewIn this episode of The Texas Real Estate & Finance Podcast, host Mike Mills sits down with tech innovator Bobby Bryant to explore the AI Real Estate Revolution and its implications for Realtors:Discover essential AI tools—CRMs, ChatGPT, and Gemini—that amplify your efficiency and human touchLearn why visibility matters more than ever, and how to become truly “Googleable”Uncover the consumer demands: transparency, control, and cost-saving strategiesGet real about why 72% of agents went cold in 2024—and how to avoid becoming one of themBe inspired by Bobby’s personal mantra: “be stupid enough to try” when it comes to disruptionThis episode delivers a clear roadmap for Realtors ready to harness AI and real estate tech to drive business growth and build meaningful client relationships. Tune in and transform your strategy for 2025.💡 Key Takeaways1. Use AI to Amplify Your HumanityModern Realtors—those who use ChatGPT and smart CRMs—can communicate more clearly, build stronger connections, and free up time for person-to-person interaction.2. Visibility = CredibilityIf you can’t be found on Google, LinkedIn, or social media, you don’t exist to prospective clients—start showing up consistently.3. Keep Your Tech Stack SimpleYour foundation: a reliable CRM, AI tool (ChatGPT or Gemini), a YouTube channel, and the right mindset—no fluff necessary.4. Give Consumers What They WantToday’s buyers and sellers demand explicit control, transparent pricing, and value—meet them with honest communication and digital empowerment.5. Disruption Begins with YouYou don’t need perfect—just persistence. Boldly step into inconsistency, iterate, and outwork the market to stand out.Guest Bio – Bobby BryantBobby Bryant is a seasoned real estate technologist and Houston-based entrepreneur with 25 years in mortgages and brokerage. He holds two master’s degrees (one in special education), built a brokerage that closed 100+ transactions a month pre-2008 crash, and now leads an AI-powered peer-to-peer real estate platform. Bobby is committed to modernizing real estate through practical tech, authentic content, and a human-first approach.🔗 Resources MentionedPodcast Website – https://www.thetexasrealestateandfinancepodcast.comMike Mills Linktree – https://linktr.ee/mikemillsmortgageChatGPT (OpenAI) – https://chat.openai.comGemini (Google AI) – https://gemini.google.comOpus Clip (video editing & clipping) – https://www.opus.proDescript (transcription & editing) – https://www.descript.comFiverr (affordable marketing materials) – https://www.fiverr.comBobby...

“Mortgage rates stalled, housing inventory surging, and AI taking over lead follow-up—sounds like a market meltdown, right?” This week, we dive deep into the Texas housing market and reveal the must-use AI lead conversion tool every Realtor needs. Consider this episode your playbook for navigating 2025’s unpredictable real estate landscape.📘 Episode OverviewAI Lead Conversion Tools are revolutionizing how Realtors operate—and this episode shows you exactly how.What You’ll Learn:Why mortgage rates are holding steady in June 2025 and what that means for buyers and sellersThe latest Texas and DFW housing market updates: soaring inventory, seller trends, and shifting buyer powerA segment called Mike’s Mind where we unpack wild headlines—from corporate landlords and AI surveillance to quantum breakthroughs and gold surgesA deep dive into Structurely, the AI chat assistant that’s helping agents engage leads 50–60% more and schedule more appointmentsPractical next steps: how to sharpen your strategy, boost conversions, and get ahead in today’s competitive marketThis episode is essential for Realtors, brokers, and real estate pros who want real numbers, cutting-edge tech insights, and actionable strategies—all in one place.✅ Key Takeaways1. Mortgage Rates Are Surprisingly SteadyRates remain near 7%, mirroring stable 10-year Treasury yields—explaining this to clients is crucial for maintaining trust.2. Texas Housing Market Is StabilizingAfter 19 months of rising inventory, markets are balancing—demand is cooling, but price stability remains. This is the signal to adjust seller expectations.3. Buyer Leverage Is Real—Use ItMore choices and longer days on market give buyers negotiating power. Agents can deliver value by emphasizing price cuts, concessions, and strategy over hope.4. “Mike’s Mind” Highlights Market ChaosFrom trigger lead debates to AI surveillance and quantum science—the headlines tell a story of economic complexity that’s shaping real estate trends.5. Structurely Proves AI Lead Conversion WorksAgents using this tool report 50–60% higher engagement, revived old leads, and more appointments. In a slow market, this is the tech edge you need.🔗 Resources & Show Links🎧 Podcast Website: https://www.thetexasrealestateandfinancepodcast.com🔗 Mike Mills' Linktree (contact info & socials): https://linktr.ee/mikemillsmortgage📈 Mortgage Rates Source (Mortgage News Daily): https://www.mortgagenewsdaily.com/mortgage-rates🤖 Structurely – AI Lead Follow-Up Tool: https://www.structurely.com🏛 Texas A&M Real Estate Research Center: https://www.recenter.tamu.edu📊 Housing Stats & Trends (Redfin): https://www.redfin.com/news/📜 Trigger Leads Bill (H.R. 2808): https://www.congress.gov/bill/118th-congress/house-bill/2808📣 Want More?If you appreciated today’s insights, subscribe, leave a review, and share this episode with your real estate colleagues. Every rating and share helps more agents discover how AI lead conversion tools can transform their business.

Realtors, ready to slash your workload and still close more deals? Discover how AI-driven Realtor tools are helping agents automate follow-ups, generate custom CMAs, and find their perfect niche—without lifting a finger. In this episode, tech strategist Jeff Loyd reveals how to future-proof your real estate career and start working smarter today.📋 Episode OverviewAI-Driven Realtor Tools are transforming how agents manage listings, market to leads, and streamline day-to-day tasks in an evolving housing market.In this tech-forward episode of The Texas Real Estate and Finance Podcast, host Mike Mills sits down with Jeff Loyd, Head of Strategy at Cloud Team Realty, to unpack exactly how AI can elevate your real estate business. Whether you're a solo agent, a team leader, or managing a brokerage, this episode is packed with real-world strategies you can implement immediately.🎯 Topics Covered:The smartest ways Realtors are using ChatGPT to automate lead nurturing and listing presentationsHow to create your own personal GPT assistant tailored to your voice and brandWhy integrated CRMs like Pipedrive outperform traditional systems for real estateHow AI-powered training simulators improve Realtor confidence and communicationThe real reason human connection still matters—even in a tech-driven world👉 If you’re feeling overwhelmed by real estate tech or looking to scale your productivity fast, this episode delivers actionable insights that work in today’s market.✅ Key Takeaways1. Automate 90% of Daily Realtor TasksAI-driven Realtor tools can eliminate repetitive tasks like lead follow-up, CMA generation, and client communication—giving agents more time for relationship-building and closings.2. Build a Custom GPT That Works Like YouWith a few simple uploads, Realtors can train a personal GPT that mirrors their communication style, background, and niche—becoming a powerful digital assistant on-demand.3. Integrated CRMs Are a Must for AI EfficiencySwitching to AI-powered CRMs like Pipedrive helps reduce time wasted on context-switching and manual data entry, allowing Realtors to focus on their highest-value tasks.4. AI Makes Training Faster and More EffectiveSimulated client calls and AI-driven onboarding at Cloud Team Realty help new agents sharpen their skills privately and confidently before going live with real leads.5. Real Estate Still Requires a Human TouchWhile AI enhances performance, Realtors who blend automation with emotional intelligence and personal connection will continue to thrive.👤 Guest Bio: Jeff LoydJeff Loyd is the Head of Strategy at Cloud Team Realty, an AI-first brokerage serving clients across Texas. With a background in leading generative AI initiatives at Best Buy—where he improved product deployment by 55%—Jeff brings high-level engineering experience into the real estate world. A licensed Realtor and tech visionary, Jeff has built custom GPTs, AI-powered training tools, and automated systems that empower agents to work more efficiently. At Cloud Team, he's pioneering a culture where agents are supported with cutting-edge tools—not buried in fees. His mission: help Realtors become AI-augmented pros in every transaction.🛠️ Resources Mentioned in This EpisodeCloud Team Realty – Learn how this AI-first brokerage supports agents:https://cloudteamrealty.comChatGPT by OpenAI – Build your own GPT and explore...

🏡 What if AI could generate leads, qualify buyers, and book appointments while you focus on closing deals? In today’s episode, we reveal how Realtor AI Automation is transforming the real estate industry—helping agents work smarter, not harder. If you’re ready to scale your business, streamline your CRM, and stay ahead of the competition, this is the episode you can’t afford to miss!📢 Episode OverviewRealtor AI Automation is changing the way real estate professionals manage leads, follow-ups, and client interactions. In this episode, Mike Mills sits down with Martin Tijmes, a top-producing agent and AI expert, to break down how Realtors can use AI-powered chatbots, smart CRMs, and automated follow-ups to maximize efficiency and convert more leads into closings.What You’ll Learn in This Episode:✅ How AI-driven lead generation can boost your pipeline without manual effort✅ Why CRM automation is the key to better follow-ups and higher conversion rates✅ The future of AI-powered marketing for real estate agents✅ How Martin used AI to become the #1 Realtor in Texas and #2 nationwide at eXp Realty✅ Actionable steps to integrate AI into your real estate business today🚀 If you want to future-proof your real estate business and start closing more deals with less effort, this episode is packed with must-know insights!🔑 Key Takeaways🚀 AI is Changing Real Estate Lead GenerationForget chasing cold leads—AI chatbots and automation tools can engage, qualify, and book appointments instantly. Agents leveraging AI save time, increase efficiency, and convert more leads into actual deals.🤖 Smart CRM Automation = More Deals ClosedAn AI-powered CRM doesn’t just store leads—it nurtures them, follows up at the right time, and ensures no opportunity is lost. Automating lead management can increase conversion rates and streamline your sales pipeline.📈 Early AI Adopters Gain a Competitive EdgeMany Realtors resist new technology, but those who embrace AI-powered real estate tools are closing more deals, reducing overhead, and staying ahead in an increasingly tech-driven market.💰 AI Helps You Maximize Your Marketing BudgetRunning Facebook, Instagram, or Google ads? AI-driven lead automation helps you filter out unqualified leads, retarget potential clients, and boost ROI—getting you better results with less wasted ad spend.🏡 AI is a Realtor’s Best Assistant—Not a ReplacementAI won’t replace agents, but it will eliminate repetitive tasks like lead qualification, appointment setting, and follow-up calls. This frees up more time for negotiation, client relationships, and closing deals.🎤 Meet Our Guest: Martin TijmesMartin Tijmes is a top-producing Realtor, AI innovator, and the founder of Accessible Agents, a cutting-edge platform designed to help real estate professionals scale using AI-driven automation. As a high-performing agent with eXp Realty, Martin leveraged AI-powered chatbots, CRMs, and automated lead follow-ups to increase efficiency and generate record-breaking...

Want to stand out as a Realtor in 2025? With digital marketing, social media, and AI transforming the industry, agents who adapt will dominate—while those who don’t risk being left behind. In this episode, we break down the ultimate Realtor marketing strategies for 2025, helping you attract leads, grow your brand, and future-proof your business!🎙 Episode Overview: What You’ll LearnIn "Realtor Marketing Strategies 2025: The Ultimate Guide to Digital Success," we uncover the must-know digital marketing strategies for real estate professionals. Chelsea Gardner, Founder of Fully Aligned Marketing, joins us to reveal the proven techniques that top-producing agents are using to generate leads, build trust, and close more deals.Here’s what we cover in this episode:✅ Social Media Marketing for Realtors – Why authenticity beats perfection and how to create content that builds real connections.✅ AI & Automation in Real Estate – How AI-powered workflows can streamline lead generation, follow-ups, and social media posting.✅ Lead Generation & Branding Strategies – The key to converting social media followers into paying clients.✅ Email Marketing That Converts – Why email remains one of the highest-converting tools for real estate professionals.✅ Scaling Your Business with Smart Digital Strategies – How to balance engagement and automation for maximum results.If you want to attract more buyers and sellers, grow your online presence, and dominate your market in 2025, this episode is packed with actionable insights just for you!🚀 Key Takeaways from This Episode✅ Authenticity Wins: Stop Over-Curating Your ContentToday’s real estate clients want to connect with real people, not scripted sales pitches. Realtors who embrace authentic, behind-the-scenes content will build stronger relationships and trust. Forget perfection—start posting and let your personality shine!✅ Engagement is More Important Than FollowersA big following doesn’t mean big business. The real key to success is engaging with potential clients, responding to comments, and building relationships online. Realtors who actively connect with their audience will convert more leads and close more deals.✅ AI & Automation Are Game-Changers for RealtorsAI-powered tools can automate lead generation, manage follow-ups, and schedule social media content, allowing agents to focus on closing deals. Those who integrate AI-driven workflows will outpace competitors who rely on outdated manual processes.✅ Email Marketing Still Outperforms Social Media in ConversionsWhile social media helps with visibility, email marketing consistently delivers higher conversion rates. The best strategy? Use social media to build an email list, then nurture those leads with valuable content and follow-ups.✅ A Strong Personal Brand Will Drive Long-Term SuccessThe most successful agents position themselves as trusted experts through strategic branding, valuable content, and consistent engagement. Staying visible, educating your audience, and reinforcing your expertise will make you the go-to Realtor in your market.🎤 About Our Guest: Chelsea GardnerChelsea Gardner is the Founder & Chief Enthusiasm Officer of Fully Aligned Marketing, a premier digital marketing

The real estate and mortgage industries are facing major disruptions—are you ready? With the CFPB under Trump rolling back regulations and HUD layoffs threatening FHA loan processing, these changes could significantly impact Realtors, lenders, and homebuyers. In this episode, we break down how these shifts could reshape the housing market and what real estate professionals must do now to stay ahead.📢 Episode OverviewThe CFPB under Trump is undergoing major restructuring, and HUD layoffs could slow down FHA and USDA loan approvals—but what does this mean for Realtors, lenders, and homebuyers? In this episode, Mike Mills sits down with Aaron VanTrojen, CEO of Geneva Financial, to break down:✅ How CFPB deregulation could reshape mortgage lending and consumer protections.✅ The real impact of HUD layoffs on government-backed loans like FHA and USDA mortgages.✅ The Fannie Mae & Freddie Mac conservatorship debate and whether privatization could raise mortgage rates.✅ Why a housing market crash is unlikely, despite shifting economic conditions.✅ How AI, automation, and technology are reshaping the future of real estate transactions.If you're a Realtor, mortgage lender, or real estate investor, this episode is packed with critical insights to help you navigate industry changes and stay competitive in 2025 and beyond.🔑 Key Takeaways1️⃣ CFPB Under Trump: What Deregulation Means for Mortgage LendingThe Trump administration has weakened the CFPB, reducing oversight on mortgage lenders and financial institutions. While this removes compliance burdens, it also raises concerns about consumer protections and potential lending risks in the housing market.2️⃣ HUD Layoffs: How They Could Impact FHA & USDA LoansProposed HUD staff reductions of up to 50% could delay FHA and USDA loan processing, making home purchases harder for first-time buyers. Without a clear efficiency plan, these layoffs could disrupt the real estate market.3️⃣ Fannie Mae & Freddie Mac: Should They Be Privatized?As policymakers debate removing Fannie Mae & Freddie Mac from government conservatorship, Realtors and lenders must consider the risks. Privatization could increase mortgage rates and reduce loan accessibility, affecting affordability.4️⃣ Why a Housing Crash is Unlikely Despite Market UncertaintyDespite economic fears, low inventory and steady demand make a major housing crash unlikely. While affordability remains a challenge, the fundamentals of supply and demand support a stable market correction rather than a collapse.5️⃣ AI & Automation: The Future of Real Estate and Mortgage LendingAI and automation are revolutionizing the mortgage and real estate industries—but are they replacing professionals? Realtors and lenders who adapt to technology while maintaining a personal touch will thrive in the evolving market.🎙️ About Our Guest: Aaron VanTrojenAaron VanTrojen is the CEO and Founder of Geneva Financial, a national mortgage...

Texas home insurance rates are skyrocketing, leaving homeowners and real estate professionals scrambling for answers. In this episode, Mike Mills sits down with insurance expert Brad Bingham to uncover the real reasons behind these rate hikes—from extreme weather to shifting policy structures. Don’t miss this insider guide to protecting your clients, your investments, and your wallet in today’s volatile insurance market.Episode OverviewTexas home insurance rates are rising faster than ever, and real estate professionals need to understand why. In this episode of The Texas Real Estate & Finance Podcast, host Mike Mills welcomes Brad Bingham, a 25-year insurance veteran, to break down:What’s driving Texas insurance rates through the roof? Learn how weather events, inflation, and market shifts are reshaping policies.Why many homeowners are underinsured without realizing it. Discover the hidden policy changes that could leave you or your clients financially vulnerable.How to compare home insurance policies the right way. Avoid the common pitfalls that lead to costly mistakes.Smart strategies to lower insurance costs. Find out what adjustments can actually save money—without sacrificing critical coverage.Whether you’re a Realtor, investor, or homeowner, this episode is packed with actionable insights to help you navigate rising home insurance rates in 2025.Key Takeaways1. Why Texas Home Insurance Rates Are SurgingInsurance premiums in Texas have increased by over 500% in the past decade, with companies requesting double-digit rate hikes year after year. Brad Bingham explains how rising claim payouts, inflation, and reduced market competition are making home insurance more expensive than ever.2. Hidden Policy Changes That Could Cost You ThousandsMany insurers have quietly reduced coverage by shifting away from full replacement cost policies—leaving homeowners with unexpected out-of-pocket expenses when disaster strikes. Learn what to look for in an insurance policy to avoid getting caught off guard.3. The Dangers of Shopping for the Cheapest Insurance PolicyNot all policies are created equal! Simply choosing the lowest price can leave you dangerously underinsured. Brad shares the key questions every homebuyer and Realtor should ask when comparing quotes to ensure adequate coverage without overpaying.4. How Weather and Population Growth Are Pushing Rates Even HigherTexas is experiencing more extreme weather events than ever before, and as population growth skyrockets in cities like Dallas and Austin, insurance companies are adjusting their risk models—leading to higher premiums for everyone.5. Proven Ways to Reduce Home Insurance Costs in 2025From raising deductibles strategically to bundling policies and making smart home improvements, Brad reveals practical ways to lower your insurance costs while keeping the right level of protection.Guest BioBrad Bingham is an insurance industry expert and Allstate brokerage owner with over 25 years of experience helping homeowners, Realtors, and investors navigate complex insurance...

The market is shifting, and realtors who adapt will thrive. This week, we’re covering Austin’s cooling home prices, the latest mortgage rate forecast, and the best AI tools for real estate professionals looking to scale their business. Plus, our ‘Weekly Wildcard’ takes a deep dive into an unexpected economic twist that could shake up the housing market.Episode OverviewThe real estate industry is evolving, and AI tools are becoming essential for realtors who want to work smarter, not harder. In this episode, Mike Mills breaks down:✅ The Best AI Tools for Realtors – How automation is transforming lead generation, marketing, and client follow-ups.✅ Austin’s Housing Market Slowdown – Why home prices are dropping, inventory is rising, and what it means for buyers and sellers.✅ 2025 Mortgage Rate Predictions – Is 7% the new normal? What realtors need to know about where rates are headed.✅ Pricing Strategies for Sellers – How to price homes competitively in a shifting market to attract buyers.✅ Weekly Wildcard Segment – A surprising economic twist that could impact real estate trends—stay tuned for the unexpected!If you're a realtor, investor, or mortgage professional, this episode is packed with must-know insights to help you navigate today’s unpredictable market.📌 Key Takeaways1. AI Tools Are Revolutionizing Real EstateRealtors using AI-powered tools like ChatGPT, Opus Clip, and HomeBot are saving hours each week on marketing, lead generation, and client communication. If you’re not leveraging AI, you’re already behind.2. Austin’s Housing Market is Cooling, but Buyers Have New OpportunitiesAfter years of rapid growth, Austin’s real estate market has shifted into a buyer’s market. Home prices are down 19% from their peak, inventory is up, and sellers must adjust pricing strategies to stay competitive.3. Mortgage Rates Are Holding at 7%—Will They Drop?With inflation still high and no major economic shake-ups on the horizon, mortgage rates are expected to hover around 7% for the foreseeable future. Realtors must help clients navigate creative financing options like rate buydowns and adjustable-rate mortgages (ARMs).4. Pricing Homes Correctly is More Important Than EverSellers need to ditch the outdated "list high and lower later" approach. Pricing homes strategically from the start maximizes visibility, attracts serious buyers, and reduces time on the market.5. The Weekly Wildcard: From Space Rocks to Meme CoinsIn this week’s wildcard segment, we cover NASA’s increased asteroid impact risk, skyrocketing credit card debt, and whether Dogecoin might become part of your tax refund. Stay ahead of the market by understanding how broader economic trends could affect real estate.📢 Tips of the Week – Featuring Amy CearnalThis episode features expert insights from Amy Cearnal, a top real estate professional with Compass Real Estate. A returning contributor to the podcast, Amy shares weekly advice for buyers, sellers, and agents to navigate today’s shifting market.🔹 For Buyers: Use market data to make informed offers and avoid overpaying.🔹 For Sellers: Price your home competitively from day one to maximize interest and reduce time on the...

🚨 The NAR Settlement Update 2025 is shaking up the real estate industry, and Realtors need to act fast. With MLS rule changes, buyer agent commission shifts, and new legal risks, staying informed is no longer optional—it’s essential. Tune in now to get expert insights on how these changes impact your business and what you must do to stay competitive in 2025!Detailed Episode OverviewThe NAR Settlement Update 2025 is transforming how Realtors, brokerages, and MLS systems operate, but what does it really mean for your business? In this episode, Mike Mills sits down with real estate expert Amy Cearnal to break down the new commission rules, MLS participation changes, and what buyers and sellers need to know moving forward.Key topics we cover:✅ How the NAR lawsuit settlement is changing buyer agent commissions✅ Why MLS rules are evolving, and how they impact your ability to do business✅ What the DOJ’s real estate oversight could mean for future regulations✅ How these changes will affect Realtors, brokerages, and homebuyers✅ What steps agents must take to adapt and thrive in this new landscapeWhether you're a seasoned agent or new to real estate, this episode will give you the clarity and strategies you need to navigate these shifts confidently. Don't miss out—hit play now!Key Takeaways1️⃣ NAR Settlement Update 2025: Major Commission ChangesThe NAR lawsuit settlement has removed buyer agent commission disclosures from the MLS, fundamentally altering how Realtors negotiate compensation. With commissions now negotiated outside the MLS, buyers and sellers are facing new challenges in understanding who pays what.2️⃣ MLS Rule Changes: New Access & Membership UpdatesMLS access rules are shifting, with some markets like Austin and Houston allowing non-Realtors to access MLS data. This could change how listings are controlled, forcing agents to rethink how they leverage MLS platforms.3️⃣ Buyer Agreements: Are They Helping or Hurting?Buyers must now sign agreements before viewing homes, aiming to improve transparency in agent compensation. However, this requirement is creating friction, as buyers may hesitate to commit before seeing properties.4️⃣ DOJ Oversight: More Real Estate Lawsuits Ahead?While the NAR settlement addressed commission disclosure, the DOJ is still investigating real estate practices. More lawsuits and regulatory changes could be coming, making it critical for Realtors to stay proactive.5️⃣ Adapting to a Changing Market in 2025To stay competitive, Realtors must embrace these new rules, educate clients, and refine their value propositions. Those who adapt and innovate will thrive, while those who resist change risk falling behind.Guest BioAmy Cearnal is a real estate veteran with expertise in brokerage operations, title services, mortgage lending, and real estate law. As a former brokerage owner and longtime Texas Realtor®, she specializes in helping clients minimize risk and maximize value in real estate transactions.Amy has...