Nitty Gritty Real Estate

The most impactful changes in the real estate industry has just taken place. Heather Oloboni and Joe Brown discuss the Sitzer/Burnett class-action lawsuit and its sweeping implications. Learn about how the Missouri Supreme Court's decision affects buyer representation, seller disclosures, and the way real estate agents get compensated. This episode offers a breakdown of the lawsuit, how it changes buyer-seller relationships, and what it means for agents and clients moving forward. Whether you're a buyer, seller, or real estate agent, understanding these new rules is crucial. Timestamps: 00:00 - Introduction: Major Industry Changes 01:05 - Sitzer/Burnett Class Action Lawsuit Overview 02:15 - The End of Cooperative Compensation in Real Estate 03:40 - How Buyer and Seller Representation is Changing 05:20 - What Buyers Need to Know: The Buyer Broker Agreement 06:35 - Impact on Agents: New Rules and Negotiation Skills 08:10 - Open Houses: What Buyers Should Be Aware Of 10:00 - Agency: Seller, Buyer, and Limited Dual Agency Explained 12:00 - Why Asking Questions is Critical for Buyers and Sellers 15:30 - How Agents Should Prepare for the Changes 18:15 - What This Means for the Future of Real Estate Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Alicia Sanchez and Heather Oloboni get into the 2024 market, with a focus on one of the hottest topics for today's buyer: affordability. Together, they explore the current housing market challenges, particularly for first-time homebuyers, including issues like rising prices, limited inventory, and high interest rates. They also touch on the struggles faced by sellers, such as accurately pricing homes and dealing with solar leases. If you're a buyer or seller trying to navigate the 2024 real estate market, this episode is packed with insights and practical advice. 01:10 - Affordability Challenges for First-Time Buyers 02:38 - How HOA Fees Affect Affordability 03:50 - The Impact of Interest Rates on Buying Power 05:15 - The Struggle for Move-Up Buyers 07:25 - Why Waiting for Interest Rate Drops May Not Help 09:45 - Sellers Overpricing Their Homes 11:15 - The Impact of Solar Leases on Selling Homes 12:45 - The Hidden Costs of Homeownership 14:30 - Final Advice for First-Time Buyers Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704  

Welcome to the world of vacation rentals! This week we discuss the top five features that make a vacation property desirable for both consumers and investors. Whether you're considering turning your home into an Airbnb or looking to invest in a vacation property, Alicia Sanchez from the TJK Team shares invaluable insights into what to look for, from local attractions to unique property features. We'll explore why understanding your market and tailoring your property to attract the right clientele can make all the difference in maximizing your rental's success. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Alicia Sanchez- alicia@thetjkteam.com Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Getting into buyer agency. The Alicias (Alicia Sanchez and Alicia Frits) break down the entire process of what it means to have a buyer's agent in your corner, from handling paperwork to keep you legal and timelines to ensuring that every aspect of the transaction is managed efficiently and lose earnest money. We also cover the importance of appraisals, repairs, and the final walkthrough to ensure you move into your new home without any surprises. Whether you're a first-time homebuyer or looking to understand the intricacies of buyer agency, this episode is packed with valuable insights. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

How much do you understand about hiring an agent? In this episode we cover the important aspects of buyer agency, or employment agreement, with our guest, Jill Paddock. We discuss the key steps in the homebuying process, from the initial buyer consultation to making offers, and the crucial role of inspections. Jill shares her expert insights on how a buyer's agent can effectively advocate for their clients, ensuring that the homebuying journey is smooth and successful. Whether you're a first-time homebuyer or looking to brush up on your real estate knowledge, this episode is packed with valuable information. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

We conclude our series on how listing agents help sellers with Tom Krieger sharing his 40+ years of experience. We dive into the intricacies of managing contracts, orchestrating various parties involved, handling inspections and appraisals, and ensuring a smooth process. Learn the essential steps and strategies that make a successful way to sell your house. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

We continue our series on how agents effectively represent sellers in part 3 of hiring an agent to sell your house. Tom Krieger shares his extensive insights and experience in the real estate industry, focusing on the importance of effective communication, managing showings, understanding offers and explaining the terms to the seller, and ensuring secure and accurate documentation. Learn the key responsibilities of a real estate agent and how they add value to the selling process while protecting their clients. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

In today's episode, we delve into the second part of the ways listing agents provide value to their sellers. Join Jill and Tom as they continue to share their insights and expertise on crucial aspects like disclosures, property inclusions, managing tenants as needed, and effective marketing strategies. Learn how top agents ensure the best possible outcomes for their clients. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Why would you want to hire an agent to sell your house? Jill Paddock talks with Tom Krieger, the team lead, about the top ways real estate agents add value for their clients, particularly sellers. Learn in this part 1 of a 4 part series the crucial steps involved in property valuation, navigating disclosures, setting expectations, marketing properties, and understanding complex legal aspects. This episode is a must-watch for anyone considering selling their property and wanting to understand the value a skilled agent can bring to benefit you in selling your house. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

We welcome back Joseph Jex, a Dave Ramsey-trained financial coach, to discuss the top three financial pitfalls and how to avoid them, ensuring a path to financial stability and freedom. Joseph offers expert advice on mitigating student loans, managing credit responsibly, and the smart approach to car payments. Discover practical tips that cater specifically to millennials and others striving for financial security, and learn how to enjoy life without the burden of debt. Want a free consultation with Joseph Jex? Reach out to him here: https://www.ramseycoach.com/jexifiedcoaching  Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

You gotta start these essential strategies for achieving financial freedom if you haven't already! Join Heather Oliboni and special guest Joseph Jex, a Dave Ramsey-trained financial coach, as they explore effective ways to own your money and your financial independence. In this episode, Joseph shares his journey from Alabama to financial coach, his personal insights on avoiding debt, and practical steps to financial freedom that everyone can apply. Learn about the emotional impact of money, the pitfalls of credit dependency, and the importance of a tailored financial plan. Want a free consultation with Joseph Jex? Reach out to him here: https://www.ramseycoach.com/jexifiedcoaching  Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

The market is still in an interesting place and why we are discussing current market dynamics, pricing trends, and what buyers and sellers need to know in this evolving landscape. In today's episode, we unpack the intricacies of the current housing market including days on market, median sales prices, and strategies for negotiating property prices. We also explore how historical data from previous years impacts current market expectations and how buyers and sellers can navigate these changes intelligently. Apologies for the audio quality in this episode- we had technical difficulties with our recorder

In this episode we dissect the challenges and strategies around property pricing in the ever-evolving market of 2024. With industry insights straight from MLS, our experts dive into the current trends and forecast the future dynamics that could influence real estate decisions. In this episode, we're joined by seasoned real estate professionals who discuss the implications of recent market fluctuations on property pricing. They provide a comprehensive analysis of how sellers and buyers are adjusting their expectations, not only in Tucson, but nationwide as well. The conversation covers the impact of economic changes on real estate values, the role of historical data in setting prices, and practical tips for navigating the market whether you're buying, selling, or just keenly observing. Want to chat with us about fraud and how to better protect yourself? Reach out to us! podcast@thetjkteam.com    Want to discuss possibilities with Tom directly? Email him: tom@thetjkteam.com  Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com     Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

In Arizona we're seeing so many changes with the 55+ communities and the impact of economic factors on senior living choices. Our host, Jill Paddock, and team lead Tom Krieger, discuss the current state of the real estate market for seasoned citizens. Since we are a destination state, we particularly focusing on the decisions surrounding snowbird homes and the viability of maintaining secondary residences amidst rising costs. This episode addresses the challenges faced by residents of 55+ communities due to inflation and fixed incomes, exploring alternative living options like short-term rentals versus traditional homeownership. Come explore this interesting info dump for our age advanced folks! Want to chat with us about fraud and how to better protect yourself? Reach out to us! podcast@thetjkteam.com    Want to discuss possibilities with Tom directly? Email him: tom@thetjkteam.com  Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com     Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Top Tucson agent, Jill Paddock gives us some alternative ways to buy a home, sharing invaluable insights into navigating the 2024 real estate market, especially for first-time homebuyers. Despite rising prices and fluctuating interest rates, there are still avenues open for those eager to make their first foray into homeownership. This episode exposes various innovative and practical strategies to help new buyers overcome affordability barriers, including co-buying with trusted individuals, exploring duplex opportunities, leveraging ADUs (Accessory Dwelling Units), and more. From understanding the potential of multi-generational living to the nuances of investing in land with prefabricated homes, we cover the spectrum of options that can transform the dream of homeownership into reality. Whether you're considering a traditional path with a creative twist or looking to pioneer in uncharted territories like box homes and off-grid living, this discussion provides a roadmap to making informed, financially savvy decisions in this wild 2024 real estate market. Want to chat with us about fraud and how to better protect yourself? Reach out to us! podcast@thetjkteam.com     Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com     Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Welcome to the innovative world of alternative housing solutions with Tom Krieger, a 45+ year real estate veteran and head of the TJK team. We explore the fascinating realm of Accessory Dwelling Units (ADUs) and beyond. In this episode of the Nitty Gritty of Real Estate Podcast, we demystify the concept of ADUs, tiny homes, modular homes, and the cutting-edge 3D printed homes, shedding light on how these out-of-the-box living solutions are reshaping the landscape of affordable and sustainable housing. From understanding zoning laws to the practicalities of setting up utilities in remote locations, this discussion is packed with invaluable insights for anyone considering an unconventional living space. Whether you're seeking solitude, a family longing for communal living, or a homeowner contemplating additional income streams through ADUs, this episode offers a comprehensive guide to making informed decisions and navigating the intricacies of modern housing trends. Want to chat with us about ADU's and future living arrangements? Reach out to us! podcast@thetjkteam.com  Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com     Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

In this episode, we lean on the expertise of Eric M. Schroeder, President of Fidelity National Title Southern Arizona to unraveling the mechanisms behind property title theft and how to safeguard your assets. We expose the nuances of how criminals manipulate real estate transactions to illicitly gain from property sales, posing as legitimate owners. With technology pushing the boundaries of convenience at the cost of security, learn the critical importance of vigilance and the steps you can take to protect your property from being a target. From recognizing red flags to the role of technology and (potentially) AI in facilitating fraud, this episode equips you with the knowledge to navigate the real estate market safely. Join us in exploring preventative measures, the pivotal role of human verification, and the future of combating title fraud in an increasingly digital world. Want to chat with us about fraud and how to better protect yourself? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Embark on a journey into the future of home buying in 2024 with Alicia Sanchez and Roman Lopez from Ferrari Mortgage, as they navigate the intricacies of securing a loan in an ever-evolving market. This episode delves deep into the expected market trends, the influence of interest rates, and the Federal Reserve's pivotal decisions that could reshape the landscape for first-time buyers. Whether you're a potential homebuyer sitting on the sidelines or an industry professional seeking insights, this discussion offers a comprehensive look into preparing for the market's uncertainties and opportunities. Join us as we explore practical advice for first-time buyers, the significance of timing in the market, and real-world success stories that illuminate the path to homeownership. Want to chat with Roman Lopez with Fairway Mortgage NMLS# 1653442 about preparing to buy a home? Reach out!  Roman Lopez- 520-585-6484 | roman.lopez@fairwaymc.com  Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

In our new segment, "Behind the Sign," we hear the real stories from real estate agent, Melissa Preciado, a dynamic Realtor® based in Tucson, Arizona. In this candid conversation, Melissa shares her journey from military brat to real estate maven, revealing the highs and lows of the industry, personal growth, and the power of resilience. Whether navigating market shifts or balancing professional and personal life, Melissa's insights offer a wealth of knowledge for anyone looking to understand the true essence of a career in real estate. Join us as we uncover the dedication, challenges, and victories that shape a successful agent's career, offering an invaluable perspective for current and aspiring real estate professionals. Want to talk to Melissa Preciado with Tierra Antigua Realty, about her experiences? Reach out- (520) 631-7131 | @melissathetucsonrealtor Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Explore Tom Krieger's extensive 40-year journey in the real estate industry on the Nitty Gritty of Real Estate Podcast. From his roots in the building trades to establishing a family-like real estate team, Tom shares his experiences, challenges, and successes. This episode unveils the significance of team dynamics, investment strategies, and creating generational wealth in real estate. Millennials looking to navigate the real estate field will find Tom's insights particularly valuable as he highlights the importance of working in an environment that values education, growth, and a sense of community. Learn how to build a rewarding real estate career that aligns with your personal and professional aspirations from someone who has lived it. Want to talk to Tom Krieger about his experiences? Reach out- tom@thetjkteam.com | 520.907.5305 Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

In this episode we explore Alicia's journey from Phoenix to Tucson, her transition from property management to becoming a shining star agent. Discover the pivotal moments that led her to a career in real estate, her passion for helping people during significant life changes, and the mentorship and team structure that fueled her decision. Alicia shares insights into overcoming challenges, leveraging team resources for growth, and the importance of starting your journey in real estate with the right support. Whether you're contemplating a career in real estate or looking to gain insights from a fresh perspective, Alicia's story is sure to inspire. Be sure to follow Alicia on social media:  Instagram: https://www.instagram.com/alicia.azrealty/ Tiktok: https://www.tiktok.com/@aliciasanchezrealty  Email: alicia@thetjkteam.com Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Join us on a journey through the eyes of Daniel Strickler, a dedicated agent on the TJK team with Keller Williams Southern Arizona. In our special segment, "Get to Know the Team," Daniel shares his transition from a small-town upbringing to navigating the complexities of the real estate industry. Discover how Daniel's family influence, his initial steps into real estate, the challenges of going solo, and the decision to join a team shaped his career. Gain insights into the importance of team support in real estate, investment learning, work-life balance, and the fun aspects of being part of a dynamic team. Whether you're a budding real estate agent or just curious about the industry's inner workings, this episode offers a unique perspective on the life and decisions of a real estate professional. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

We sit down with our very own Jill Paddock from the TJK team for an intimate conversation about her unexpected journey into real estate. Beginning her career as a teacher, Jill navigates through personal challenges and career transitions, ultimately finding her path in the real estate industry. This episode dives deep into Jill's personal and professional growth, her experiences with different teams, and how joining the right team transformed her approach to real estate. From learning the importance of building client relationships to exploring investment opportunities, Jill's story is a testament to perseverance, adaptability, and the power of supportive teamwork. Whether you're considering a career in real estate or looking for inspiration to navigate your professional journey, Jill's story offers valuable insights and encouragement. Want to talk to Jill Paddock about here experiences? Reach out- jill@thetjkteam.com Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

In this thought-provoking episode, we go into the sensitive yet crucial topic of estate planning and its impact on real estate. Hosted by Joe Brown and Heather Oliboni, this episode explores what happens to a parent's house after they pass away. We explore the intricate process of handling property inheritance, including the legalities, emotional challenges, and practical steps involved. This episode is particularly relevant for the millennial generation, who are on the cusp of witnessing one of the largest wealth transfers in history. We also discuss various options for inherited properties, such as selling, renting, or moving in, and the importance of preparing wills and trusts. This comprehensive guide is invaluable for anyone navigating the complex journey of estate management and real estate inheritance. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

This podcast is not only helpful for those in the throws of making a decision to buy in a 55+, but it's also for those looking to understand when it's time to move into an assisted living facilities. Not to mention, for those millennials and Gen x'ers who are looking for those warning signs of their aging parents. In this episode, Tom Krieger, an experienced Realtor®, delves into the unique considerations of buying in 55+ communities, focusing on the popular retirement destinations of Arizona and Florida. We'll explore critical factors like healthcare, cost of living, climate, and amenities that influence the decision of where to retire. Additionally, Tom provides valuable insights into knowing when it's time to transition from a traditional home to assisted living and how to prepare for this significant change. Whether you're considering a move to a 55+ community, or if you're helping a loved one with their transition, this episode is packed with essential information to guide you through these important decisions. We are an open book, so if you have questions for Tom on one of his specialties, feel free to reach out. Tom Krieger- 520.907.5305 |Tom@thetjkteam.com Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

In this episode of the Nitty Gritty of Real Estate Podcast, we explore the crucial topic of affordability versus wants and needs in the home buying process. Join Heather Oliboni and our Realtor® guest Alicia Sanchez, as they discuss how the real estate market has evolved over the past decade, especially post-recession and in the wake of COVID-19. This episode sheds light on what affordability really means in today's market, discussing the impact of interest rates, home values, and average salaries on purchasing power. We dive into the reality of current housing options in Tucson, contrasting them with buyers' expectations shaped by past market conditions. Whether you're a first-time buyer or looking to understand market dynamics, this episode offers valuable insights, practical advice, and a realistic perspective on achieving your homeownership goals in the current economic landscape. We discussed the Buying vs Renting podcast, so, as promised, here is your link: https://youtu.be/Md0NDF7rfzQ Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

The tough, pressing issues facing today's homebuyers... In our latest episode, we tackle a significant concern: the millennial fear of missing out in the ever-changing real estate market. Join us as Alicia, our esteemed number two buyer's agent, shares her insights and strategies to help millennials navigate these challenges. We discuss the rising interest rates, down payment assistance options, and the impact of student loan forgiveness programs on home purchasing power. We also explore new construction incentives and the post-COVID real estate landscape. Whether you're a millennial buyer feeling left behind or just interested in the current real estate trends, this episode offers valuable guidance and hope in today's market. Here is the link to AZ student loan forgiveness program: https://azgrants.az.gov/ Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Tom Krieger- 520.907.5305 | tom@thetjkteam.com  Alicia Sanchez- 520.341.2926 | alicia@thetjkteam.com  Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Welcome to the world of credit myths and realities, especially when it comes to home buying!

Welcome to another episode of the Nitty Gritty of Real Estate podcast, where we unravel the complexities of mortgage lending and discuss the trending topics that homebuyers and sellers are buzzing about. In this informative session, we're joined by Seanna Cormier from Guild Mortgage, who sheds light on the often-confusing topic of mortgage buy downs. What We Cover: - What exactly is a buy down and how does it affect your interest rate? - The real cost of points and how they translate to interest rates. - Deciphering between temporary and permanent buy downs - which one is right for you? - The importance of recapture rates and finding your break-even point in a buy down scenario. - The role of seller concessions in reducing your interest rates without out-of-pocket expenses. - How market predictions for 2024 could influence your decision on buy downs. - Special considerations for teachers, military personnel, and others with predictable pay scale increases.

Join top real estate agent, Jill Paddock and mortgage expert Seanna Cormier from Guild Mortgage as they unravel the intricacies of down payment assistance programs. Whether you're a first-time buyer or looking for more affordable housing solutions, this episode sheds light on how these programs can propel you towards homeownership. Delve into various program structures, understand their impacts on interest rates, and discover how you can find the right fit for your home buying journey. This episode was cast with Seanna Cormier, NMLS # 1433188 of Guild Mortgage company LLC is an Equal Housing Lender, Company NMLS # 3274. Guild Mortgage is not affiliated with Keller Williams, Keller Williams Southern Arizona, The Tom J Krieger Team, or Jill Paddock. If you have any mortgage or lending questions feel free to reach out: Seanna- 520.820.0560 | scormier@guildmortgage.net  If you have real estate questions, reach out to Jill Paddock: 520.391.7529 | jill@thetjkteam.com  Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com  Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Explore the vibrant history of Tucson, AZ

In this episode we unpack the pivotal role of the Buyer Advisory in Arizona's real estate landscape. Because of the nuances of due diligence, navigate the maze of property restrictions, zoning laws, and HOA bylaws, this episode is an essential listen for both first-time homebuyers and seasoned real estate enthusiasts who don't recall this documents importance. Dive into discussions about Covenants, Conditions, Restrictions (CCNRs), the importance of a clear title, and the intricacies of local zoning laws. Plus, don't miss their insight into floodplains and the necessity of flood insurance. Whether you're thinking about painting your home a new color, raising chickens in your backyard, or just curious about the local zoning laws - this episode offers a comprehensive guide to navigating the complexities of home ownership in Arizona. Navigate your next purchase with confidence! Homebuyer Advisory Link: https://www.aaronline.com/manage-risk/buyer-advisory-3/ Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Let's get into the often misunderstood world of buyer agency with Tom Krieger and the team's leading buyer's agent, Jill Paddock here in Tucson. Explore the intricacies of buyer representation, from the role of a buyer's agent to how they add value to the real estate transaction. This episode provides invaluable insights for both first-time buyers and seasoned property enthusiasts. Discover the benefits of having a dedicated agent in your corner, the complexities of negotiations, and the ever-evolving landscape of real estate agency. Jill Paddock- 520.391.7529 | jill@thetjkteam.com   Tom Krieger- 520.907.5305 | tom@thetjkteam.com   Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704 This podcast is brought to you by The Tom J Krieger Team, Keller Williams Southern Arizona. Equal Housing Opportunity Realtors®.

Dive deep into the complexities of real estate lending with Jill Paddock, the leading agent for the Tom J. Krieger Team in Tucson, Arizona. In this episode, we unravel the often-misunderstood intricacies of lending for different property types, from condos and manufactured homes to townhomes and co-ops. Gain insights from a realtor's perspective on what to expect, potential pitfalls, and how to navigate the nuances of lending for your next property purchase. Topics covered: Lending limitations for condos, including condo communities not qualifying for traditional financing. The world of manufactured homes and the age factor. The differences in lending for townhomes and patio homes compared to condos. USDA loans: Not just for farmland! The distinction between commercial lending for multi-families vs. conventional lending. Financing land and construction loans in the abundant Arizona terrain. The hurdles of co-op lending. Whether you're a first-time homebuyer, a seasoned investor, or someone curious about the world of real estate lending, this episode is packed with invaluable information to guide your decisions. Join us as we uncover the nitty-gritty details of the real estate market in Southern Arizona, empowering you with knowledge for your home buying journey. Jill Paddock- 520.391.7529 | jill@thetjkteam.com  Tom Krieger- 520.907.5303 | tom@thetjkteam.com  Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704 Connect with us at our webaite for more resources and to be linked with over 5,000 agents nationwide. Remember, with the Tom J. Krieger Team at Keller Williams Southern Arizona, you're never alone in your real estate journey.

Ever heard that you need a 20% down payment, a perfect credit score, and a two-year job history to buy your first home? Think again! We're here to bust these myths wide open and uncover the truth behind buying your first home as a millennial or Gen Z. Dive into the world of down payments, credit scores, job stability, and much more with our expert guests, sharing their insider knowledge to help you navigate the home buying journey with confidence. Learn about down payment assistance programs, how to leverage your retirement account, and tips to boost your credit score. Discover the secret sauce to turning a functional first home into your perfect home. It's time to demystify homebuying and make your homeownership dreams a reality. Remember, your first home is a stepping stone, not a stumbling block. Tune in now, and let's get you one step closer to holding the keys to your new home. Jill Paddock- 520.391.7529 | jill@thetjkteam.com  Alicia Sanchez- 520.341.2926 | alicia@thetjkteam.com  Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Dive into the financial intricacies of owning a home versus renting. With hosts Alicia Sanchez and Tom Krieger, you'll unravel the mysteries behind mortgage and rental payments, understanding interest rates, and how the choice between owning and renting affects your wealth over time. Did you know that with today's rates, a $2,100 monthly rent might equate to a mortgage on a $300,000 home? And what's the real story behind property value appreciation? Beyond numbers, we also discuss the freedom and customization owning offers over renting - from renovations to pet policies. Whether you're a first-time homeowner in Tucson, Arizona or looking to better understand the U.S housing market, this episode offers valuable insights. Proudly presented by Keller Williams Southern Arizona, we are dedicated to equal housing opportunities. Join us as we dissect these housing dilemmas, paving the way for informed decisions. Tom Krieger- 520.907.5305 | tom@thetjkteam.com Alicia Sanchez- 520.341.2926 | alicia@thetjkteam.com  Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Dive into the Pima Tucson Lighthouse Program, the breakthrough for home buyers!

Join Heather Oliboni and real estate industry veteran Tom Krieger, from the Tom J Krieger team, as they dissect the intricate world of the real estate market. With over 40 years of experience, Tom brings a wealth of knowledge about the ebb and flow of markets, while Heather adds insights from her 8-year experience post-crash. In this episode, they discuss: Interest Rates and Affordability Index: How do interest rates affect mortgages and home affordability? What does the history say, and how do we compare to the early eighties? The Healthy Market Metrics: What are the signs of a balanced market? How do days on market, absorption rates, and supply and demand impact the market dynamics? The Impact of Covid on Home Prices: How has the pandemic influenced property values? How are the buyers and sellers reacting to the current market scenario? Buyer's vs. Seller's Market: What's the difference, and what signals a shift in the balance? Tom and Heather dive into the details that define each market type. If you're looking to buy a home, sell a property, or simply interested in understanding the complex mechanisms that drive the real estate market, this episode is for you. Tune in for an engaging and informative discussion that offers valuable insights whether you're a newbie or seasoned professional. Don't forget to Subscribe for more valuable insights into the world of real estate. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Welcome back to the Nitty Gritty of Real Estate. In this episode, we delve into the often confusing world of Medicare. With the help of our guest Rob Young, a licensed Medicare service agent and experienced insurance professional, we aim to demystify the ABCs (...and the rest) of Medicare and provide crucial insights into what you need to know. Navigating the Medicare system can be overwhelming and complex. This episode is a must-listen for anyone trying to understand the ins and outs of this critical healthcare system. Rob Young's expert advice offers a lifeline in the sea of confusing Medicare information. Rob Young 206.234.6797 | robyounginsurance@gmail.com Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com    Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704    

Our latest episode, a delightful sequel to "Under the Tucson Sun", opens with a tasteful exploration of Tucson's vibrant food scene, recognized as a UNESCO City of Gastronomy. From the lip-smacking Sonoran hot dog to the delightful chimichanga, our conversation unravels Tucson's culinary treasures and their fascinating origins. Beyond delectable cuisines, we delve into the sports and cultural events that form the city's vivacious spirit, from cheering on the Tucson Roadrunners and experiencing the thrills of university sports to engaging with the literary world at Tucson Meet Yourself and the Festival of Books. We also shed light on the rich artistic heritage encapsulated in the Arizona State Museum and the Center of Creative Photography. Furthermore, we offer sneak peeks into some of the city's biggest gatherings, from the internationally renowned Tucson Gem, Mineral, and Fossil Show to the captivating Thunder and Lightning air show, the rambunctious rodeo of La Fiesta de los Vaqueros, and the melodious notes of Country Thunder. If you're a fitness enthusiast, we touch on Tucson's highly anticipated sporting events, such as Cyclovia and Tour de Tucson. This podcast aims to capture the heart of southern Arizona, bursting with diverse cuisines, spirited sports events, vibrant culture, and irresistible experiences. Tune in and immerse yourself in the unique essence of Tucson!

Ready for a journey under the Tucson sun? Tune into the Nitty Gritty Real Estate Podcast, where we dig into the richness of living in Tucson, Arizona! Join Heather and Joe as we shift gears from real estate to lifestyle, where we swap figures and listings for stories and fun facts. From its vibrant history, tracing back to 1776 and even 4,000 years before, to the Hohokam Indians' roots, discover why Tucson is one of the oldest continually inhabited areas in North America. Hear about the San Xavier Mission and its Spanish roots, and how this remarkable place is still a vital part of Tucson's food landscape. This is more than just history though! Discover the breathtaking natural wonders that surround Tucson. Picture being nestled in a valley, surrounded by five majestic mountain ranges, with 286 days of brilliant sunshine. Imagine experiencing the phenomenon of monsoons, the unique smell of creosote, the play of rainstorms, and the spectacle of double rainbows. But we won't stop there! In this new series, we promise to dive deeper into these topics in future episodes. If you're a Tucson local, this podcast will make you fall in love with your home all over again. And if you're not, prepare to get a severe case of wanderlust. Follow the Nitty Gritty Real Estate Podcast for a taste of Arizona sunshine no matter where you are, and to understand why, in Tucson, we love where we live. Tune in, because under the Tucson sun, there's more to explore than you might think. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Real estate experts Daniel Strickler and Tom Krieger delve into the realities of For Sale By Owner (FSBO) transactions. With over 45 years in the business, Tom provides an in-depth analysis of house pricing challenges and the inherent risks of selling your own home, while shedding light on popular misconceptions related to platforms like Zillow, Trulia, Redfin, etc. Listen to their conversation to find out about legal pitfalls and potential fraud that FSBOs are facing. Gain a better understanding of how professional real estate agents can protect your interests and ensure a smooth transaction. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Welcome to the newest episode of the "Nitty Gritty of Real Estate" podcast! Today, hosts Heather Oliboni and Alicia Sanchez, two transplants from Phoenix and Florida respectively, dive into the reasons behind the massive migration to Southern Arizona. Explore the data and insights provided by nationwide moving companies about the inbound traffic to cities like Tucson and Phoenix. Discover why affordability and tax advantages are leading people and tech businesses to set roots in Southern Arizona. We also discuss the challenges and opportunities this growth presents to the real estate market. With the state expecting an influx of 1 million people by 2029, and a significant gap in the supply-demand balance of housing, we investigate the various initiatives to increase the housing inventory. We explore the rise of 'Build for Rent' developers, the increasing home prices, and why the housing market in Southern Arizona isn't headed for a crash anytime soon. This episode is a must-listen for real estate enthusiasts, investors, and anyone intrigued by the social and economic trends in Arizona. Tune in as we decode the nitty-gritty of the major growth in Southern Arizona! Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com/resources  Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

In this episode of the Nitty Gritty of Real Estate Podcast, we dive deep into the current growth in Southern Arizona's industries and the implications for real estate in the area. From tech giants like Intel and TSMC building factories in Phoenix, to the expanding aerospace industry, to the burgeoning "battery belt" for electric vehicles, Arizona is becoming a powerhouse of innovation and job creation. We also look at the mining and defense industries, Arizona's pivotal role in clean energy, and the state's increasingly significant position in healthcare and bioscience. Tune in as we explore why Southern Arizona is an increasingly attractive choice for real estate investment. Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com/resources  Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

In this episode, Heather is joined by Jill Paddock we go into the world of home updates, upgrades, and how they truly impact your home's value. We get it - who doesn't love the sparkle of a marble countertop or the plush feel of a new carpet? But does every dollar you spend on updates and upgrades directly translate into increased market value? We dissect common home improvement decisions such as new countertops, flooring, paint, and backyard landscaping, discussing whether these updates truly offer a return on your investment when it's time to sell. We explore the reality of the 'dollar for dollar' return and how over-personalized or overly extravagant updates may even deter potential buyers. We also shed light on the delicate balance between upgrading your house for your own pleasure and ensuring it appeals to a broad range of future buyers. Whether you're considering sprucing up your home for a quick sale, pondering major upgrades for long-term living, or simply interested in the real estate market's inner workings, this episode is a must-listen!

Join us in this informative episode of The Nitty Gritty of Real Estate Podcast, as we delve into the crucial topic of 'Deferred Maintenance and Home Value Loss'. We are thrilled to have Jill Paddock, the leading real estate agent from the esteemed Tom J Krieger Team, Tucson, Arizona, who shares her expert insights on the impact of home maintenance on property value. In this enlightening discussion, Jill explains why regular home maintenance, especially for major components like the roof, HVAC, and landscaping, is essential to preserve and potentially enhance the value of your property. Learn about the common pitfalls and misconceptions homeowners often have, and gain a fresh perspective on the buyers' viewpoint. Whether you're a homeowner looking to sell, a potential buyer, or an investor, this episode is packed with valuable advice on how to approach the home buying and selling process, factoring in the state of property maintenance. Jill also introduces the concept of a home warranty and its potential benefits for both sellers and buyers. Have questions for the podcasters? Reach out to them: Jill Paddock- Jill@thetjkteam.com | (520) 391-7529 Tom Krieger- Tom@thetjkteam.com | (520) 907-5305 Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Listen in as we discuss the potential pros and cons of short-term rentals, the impact of changing definitions, and the importance of having a well-defined end goal in mind before diving in. Tom shares his insights on the variety of motivations behind short-term rentals, the role of property appreciation, and the necessity of sound financial planning. Tune in to gain valuable knowledge on subjects such as taxation, regulations, working within HOA restrictions, and the importance of professional advice. Additionally, we discuss the emerging trends in the short-term rental market like ancillary services, providing an in-depth look at how you can maximize your income. This episode will be a great resource for anyone considering opening an Airbnb, potential short-term rental investors, and anyone interested in real estate trends. Check the link in the description for more resources on this topic. Don't forget to subscribe to our podcast for more real estate insights, straight from the experts! Here is our link to one of our resources: https://www.nar.realtor/magazine/real-estate-news/sales-marketing/greater-profit-potential-for-short-term-rental-investors  Have questions for the podcasters? Reach out to them: Jill Paddock- Jill@thetjkteam.com | (520) 391-7529 Tom Krieger- Tom@thetjkteam.com | (520) 907-5305 Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

We'll be diving into the three reasons why delinquency rates are low among homeowners. First up, we'll talk about the high amounts of equity that homeowners have built up. Next, we'll explore how tightened lending practices have ensured that only creditworthy borrowers are getting approved for mortgages. And finally, we'll look at why people just aren't missing their payments like they used to. But don't worry, we won't bore you with a bunch of dry statistics and technical jargon. So you can become educated on the current real estate climate without feeling like you're back in your high school economics class. So, sit back, and join us as we celebrate the low delinquency rates among homeowners! Have questions for the podcasters? Reach out to them: Joe Brown- marketing@thetjkteam.com  Daniel Strickler- Daniel@thetjkteam.com | (520) 391-6296 Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com    Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Looking to go green and save money on your energy bills? Switching to solar power for your home may be the answer. In this episode, we explore the pros and cons of installing solar panels on your home and we'll dive into the two most common ways to finance solar panel installation: solar leases and solar loans. With a solar lease, you can lease the equipment from a solar company and pay a fixed monthly fee, while solar loans allow you to finance the installation costs and pay off the loan over time. We'll explore all options, and provide tips for choosing  what might work best for you. Have questions for the podcasters? Reach out to them: Jill Paddock- Jill@thetjkteam.com | (520) 391-7529 Daniel Strickler- Daniel@thetjkteam.com |    Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

If you own a home, you may be wondering how to protect it and ensure it goes to your loved ones in the event of your passing. One solution is to create a trust and transfer ownership of your home to it. In this episode, we discuss the advantages of having your home in a trust. Have questions for the podcasters? Reach out to them: Jill Paddock- Jill@thetjkteam.com | (520) 391-7529 Tom Krieger- Tom@thetjkteam.com | (520) 907-5305 Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Discover the Best Ways to Own Your Home in Arizona: Expert Tips You Need to Know! With several options to choose from, the process of taking title can be daunting. But don't worry, we've got you covered. In this video, we'll explore all the different ways you can take ownership of your property in Arizona. However, we cannot stress enough the importance of consulting with a real estate lawyer and/or a CPA to ensure you make the right decision. Trust us, getting it right can make all the difference in how you own (or don't own) your dream home - one of the most significant life decisions you'll ever make. So, be sure to listen until the end and give us a follow if you found this video helpful! Have questions for the podcasters? Reach out to them: Jill Paddock- Jill@thetjkteam.com | (520) 391-7529 Tom Krieger- Tom@thetjkteam.com | (520) 907-5305 Have questions about this podcast, topics, real estate or getting your real estate license? Reach out to us! podcast@thetjkteam.com   Be sure to check out our website for more resources ⬇️ https://TheTJKTeam.com   Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704