State48 Homeowner Podcast

HOAs: love 'em or hate 'em, they can make or break your experience as a homeowner—especially when it comes time to sell. In this episode of the State 48 Homeowner Podcast, we're diving into the good, the bad, the ugly—and the downright deal-killing—side of homeowners associations in Arizona.

What if you could travel back in time and take over a mortgage with a 2.25% interest rate? In this episode of State 48 Homeowner, we break down the power of assumable loans—a real estate strategy that lets homebuyers "assume" the low-interest mortgage of a home seller. We'll walk you through two real-world examples in Mesa and Chandler, Arizona, where VA assumable loans can save buyers hundreds per month. You'll also hear expert insights from Raunaq Singh, CEO of Roam, and Mike Roberts of UMe Projects, who explain how these loans work, how to qualify, and how both buyers and sellers benefit.

Worried you left your garage door open again? Tired of porch pirates stealing your packages? In this episode of State 48 Homeowner, we break down how the myQ Smart Garage Control can protect your home, automate your deliveries with Amazon In-Garage Delivery, and add real peace of mind for Arizona homeowners. Learn about real-world installation tips, Amazon's recent changes to their Amazon Key program, and why securing your garage door is one of the smartest things you can do for your home and family.  Thinking about buying or selling in Arizona? The Klaus Team has been helping Arizona homeowners protect and grow their investments for over 20 years. Reach out any time — we'd love to help!

A great home inspection can make or break the sale — and today, we're giving you the inside scoop on how to pass with flying colors! Join us with our special guest Paul Stratton of Stratton Inspections as they break down what inspectors are really looking for and what sellers can do to prepare. We'll walk you through the essential checklist, the most common inspection pitfalls, and simple, affordable fixes you can make before the inspector shows up. Whether you're selling in Maricopa County, Pinal County, or anywhere across Arizona, this episode of the State 48 Homeowner Podcast will help you avoid costly surprises and make your home inspection a success.

Are you sitting on a gold mine without even knowing it? In this episode of State 48 Homeowner, we show you exactly how to leverage your home's equity for maximum financial gain—whether it's paying off high-interest debt or investing in your future through real estate. Discover why now might be the perfect time to tap into your home's hidden potential. Key Topics & Takeaways Understanding Equity: See how to calculate your equity and turn it into a real financial asset. Debt Elimination: Reduce (or eliminate) high-interest credit card debt and personal loans by using lower-interest home equity options. Investing Strategy: Discover how you can use your home's equity to purchase rental properties and build passive income. Arizona Real Estate Boom: Find out why property values from 2015 to 2025 have soared, potentially boosting your equity.

Thinking about moving to Arizona? Whether you're drawn to the sunshine, the booming job market, or the stunning landscapes, there's a lot to know before you pack your bags. This is The Ultimate Ten Minute Guide to Moving to Arizona in 2025, packed with everything you need to know before making the move—all in under ten minutes! What You'll Learn: • The best cities and neighborhoods in Arizona for your lifestyle • The current housing market and what to expect when buying a home • How to adapt to desert life, from handling the heat to exploring the outdoors • The biggest mistakes new residents make and how to avoid them • Two moving hacks that will save you time, money, and frustration Arizona is an incredible place to live, but being prepared is key. From choosing the right real estate team to knowing what NOT to leave in your car during the summer, this guide will help you transition smoothly. Thinking about buying a home in Arizona? The Klaus Team is here to help. Visit klausteam.com/callusfirst or call 480-354-7344 to get started. If you found this video helpful, like, subscribe, and turn on notifications so you don't miss future episodes. Drop a comment below with any questions about moving to Arizona! Keywords: moving to Arizona, Arizona relocation guide, best places to live in Arizona, Arizona housing market, Phoenix real estate, Scottsdale vs Tucson, cost of living in Arizona, Arizona home buying tips, desert living essentials, Arizona lifestyle, surviving Arizona summers, top Arizona cities, moving tips for Arizona, new construction homes Arizona, Arizona real estate advice, outdoor activities Arizona, relocating to Phoenix, Arizona economy, things to know before moving to Arizona, State 48 Homeowner 00:00 Introduction 01:03 Why Arizona? 02:40 Finding Your Perfect Fit 03:40 The Arizona Housing Market 04:34 Living In Arizona 05:10 1 - The Outdoor Lifestyle 05:21 2 - Camelback Mountain 05:39 3 - Superstition Mountains 05:50 4 - Mogollon Rim: Rim Country 06:03 4 - Watersports: Lakes & Rivers 06:32 Tips For A Smooth Move 06:39 1 - Connect With A Buyer Agent 06:56 2 - Work With A Local Lender 07:48 Call Us First 08:19 Moving Hacks

Tired of spending more than you planned on groceries? In this episode of State 48 Homeowner, we share practical ways to slash your grocery bill without sacrificing quality. Discover how to spot hidden costs at the store, master meal planning for the week, and use coupons effectively—even if you're not an extreme couponer. We'll also explore easy techniques like freezing items you buy in bulk and shopping your pantry before you hit the store. What You'll Learn: • How to identify and avoid impulse buys and convenience fees • Simple meal-planning ideas to reduce waste and keep your menu interesting • Couponing basics—stacking deals, store apps, and loyalty programs • Two immediate hacks to help you start saving money right away Stay tuned until the end for quick tips you can implement today. If you find this information helpful, remember to like, subscribe, and ring the notification bell so you never miss an episode. Let's make grocery shopping more affordable—one trip at a time. Keywords: grocery bill savings, meal planning tips, couponing strategies, grocery budget hacks, store loyalty programs, impulse buy prevention, freezer meal ideas, saving on groceries, State 48 Homeowner podcast, weekly meal prep, reduce grocery costs, grocery shopping tips, pre-planned meals, store brand vs name brand, clearance rack deals, bulk buying tips, cutting food expenses, money saving ideas, frugal living tips, household budgeting

Curious about how to manage water wisely and reduce utility costs in Arizona's arid climate? In this episode of State 48 Homeowner, we are joined by Arizona State Corporation Commissioner Kevin Thompson and Mesa City Vice Mayor Scott Somers to discuss the latest innovations in sustainable living. Learn about xeriscaping, gray water harvesting, and creative design techniques like passive solar and basement homes. Discover real-world examples of community gardens, advanced water recycling, and policies that are shaping the future of sustainability in Arizona. Whether you're a long-time resident or new to desert living, this episode offers valuable insights to help you thrive while protecting precious resources. What You'll Learn: • Ways to conserve water through xeriscaping and gray water systems • Simple energy-efficient design ideas for desert homes • The potential of solar power in Arizona (plus where to find more info) • How policymakers and homeowners are working together for a more sustainable future • Real-life examples of community-driven sustainability efforts Stay tuned for three easy tips you can start using right away. If you find this content useful, remember to like and subscribe for more guidance on desert living and responsible homeownership. 00:00 Introduction  01:27 Innovations In Water Management 01:38 Xeriscaping: Low Water Landscaping 01:52 1 - Use Native Plants 02:00 2 - Use Efficient Irrigation 02:08 3 - Use Gravel And Mulch 02:36 Gray Water Harvesting 04:43 Solar Power Solutions 05:03 Sustainable Architecture And Design 05:12 Passive Solar Design 05:18 How It Works 05:20 1 - Orientation - North/South Exposure 05:46 2 - Shading: Overhangs, Awnings 05:53 3 - Thermal Mass: The Right Materials 06:11 Basement Homes 06:39 The Future Of Sustainability In The Desert 06:52 Interview: Arizona Corporation Commission Kevin Thompson 07:43 Interview: Mesa City Council Person Scott Somers 08:38 How Community Members Can Collaborate 10:23 3 Ways To Live Sustainably  

Natural gas and carbon monoxide leaks pose serious risks to homeowners, yet many people don't know how to detect or prevent them. In this episode of State 48 Homeowner, we share essential safety tips to help you protect your home and family from these invisible hazards. What You'll Learn: How to recognize the early warning signs of a natural gas leak The most important steps to take if you suspect a leak in your home Why carbon monoxide is called "the silent killer" and how to prevent exposure How some so-called "haunted house" experiences are actually linked to carbon monoxide poisoning Every year, gas leaks and carbon monoxide poisoning lead to preventable accidents, illnesses, and even fatalities. Learn how to keep your home safe by understanding what causes these dangers, what to look for, and how to take action before it's too late. Episode Highlights: The telltale signs of a gas leak and immediate actions to take The right way to maintain gas appliances and prevent hazards The dangers of carbon monoxide and why every home needs a CO detector Real-life incidents that highlight the importance of gas and CO safety Tune in for life-saving information that every homeowner should know. If you find this episode helpful, be sure to follow, rate, and review on your favorite podcast platform, and share it with family and friends. For more homeowner tips, visit State 48 Homeowner and stay informed.

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Are you an Arizona homeowner wondering how to care for your pool and hot tub during the winter months? Even though our winters are mild, your pool and hot tub still need proper maintenance to stay in top condition. In this episode of State 48 Homeowner, we sit down with pool expert Nate VerWoert, owner of True Lagoon Pools, to share essential tips for winter pool and hot tub care. Discover why it's important to keep your pool water circulating, how to adjust your chemical usage during cooler temperatures, and key steps to maintain your pool equipment even when it's not swimming season. Nate provides valuable advice on managing heated pools, including the differences in chemical treatment and the impact on your energy bills. Thinking about enjoying your hot tub this winter? Learn how to keep it clean, efficient, and ready for those chilly Arizona evenings. Nate covers everything from cleaning filter cartridges and balancing water chemistry to maintaining the right temperature and using a hot tub cover to save energy. Stay tuned as Nate reveals the top three mistakes to avoid with your pool and hot tub during the winter. Whether you're a seasoned pool owner or new to maintaining your outdoor oasis, this video is packed with practical tips to help you protect your investment and enjoy your pool and hot tub all year round. If you find this video helpful, please give it a thumbs up, subscribe to our channel, and hit the notification bell so you won't miss our weekly videos offering valuable insights for Arizona homeowners. Got questions about winter pool or hot tub maintenance? Drop them in the comments below—we'd love to hear from you!

Curious about solar energy? Before you jump in, watch this video to get a full understanding of what solar really means for Arizona homeowners. Door-to-door sales reps might make solar sound like a no-brainer, but the reality has layers that you deserve to know. In this episode, Scott from the State 48 Homeowner podcast breaks down the full picture about solar for Arizona homes, including what most salespeople leave out. From financing and tax credits to the impact on home sales, we dive into the details with insights from real estate pros, solar techs, and roofing experts to help you make an informed decision. What You'll Learn in This Video: • Avoiding Sales Pressure: Learn why high-pressure sales tactics are a red flag in the solar industry and why it's essential to take your time before committing. • True Costs of Solar: Get a clear look at solar financing and leasing—how it affects your home's  potential buyers when you're ready to sell. • Roofing & Maintenance Considerations: Discover what adding solar panels means for your roof's lifespan and maintenance, including the hidden costs when repairs are needed. • Arizona-Specific Advice: Understand the impact of utility providers (like SRP and APS), local tax credits, and incentives that could make or break your decision. Featured Experts: • Rob Martin, Klaus Team Realtor • Twila Edwards, Klaus Team Realtor • Steve Farrington, Loan Officer, Unity Home Loans • Scott Kooiman, State 48 Homeowner Podcast Host and Real Estate Associate Broker, Klaus Team If you're considering solar, don't miss out on these essential insights. Whether you're looking for long-term savings or trying to make the most informed decision, this video will help you decide if solar is right for you in Arizona. Hit “Subscribe” for more homeowner tips, and let us know your thoughts in the comments below! 0:00 Intro 0:58 High Pressure Sales 2:18 Financing Solar 3:49 Equipment on a Lease 4:07 Roof Maintenance  4:50 When Does Solar Work? 5:37 The Bottom Line

What if you could transform your mindset, your home, and your relationships—all by practicing gratitude? In this episode of the State 48 Homeowner Podcast, we explore the power of gratitude and how it can lead to a healthier, happier life. Learn how choosing gratitude over self-pity, entitlement, or comparison can shift your perspective and positively impact your entire household. Scott and the Klaus Team share insights, personal stories, and actionable tips, including three simple steps to start cultivating gratitude in your daily routine. Plus, hear from team members about how gratitude has made a difference in their lives. Learn how starting your day with a grateful mindset can make a profound difference in your outlook and relationships. We'll discuss how gratitude positively impacts your household and share personal insights from our team about its powerful effects. We'll also identify common obstacles to gratitude—like self-pity, complaining, comparing, and entitlement—and offer practical ways to overcome them. Stick around until the end for three actionable steps to bring more gratitude into your daily life: Join us in embracing a mindset that enhances happiness and well-being. If you find value in this video, please give it a thumbs up, subscribe for more homeowner and real estate content, and ring the notification bell for weekly updates. We'd love to hear from you! Share what you're grateful for or what gratitude means to you in the comments below. Ready to live with intention and improve your mindset? Hit play, and let's start building a grateful life together.

Curious about the sudden changes in the Arizona housing market? Are we in a Buyer's Market? With a surge in new listings and the market tilting in favor of buyers, it's essential to understand what's happening.  Join the Klaus Team's real estate professionals as they break down the latest developments in Phoenix and the surrounding areas. Get insights from top agents, loan officers, and market experts on why inventory is rising, how interest rates are influencing buyer behavior, and what it all means for you. Curious about how interest rates are influencing buying power or why some sellers are moving despite high mortgage rates? Or maybe you want to know how to make your home stand out in this market? We cover it all to help you make the most informed decisions. Whether you're a buyer looking for the perfect home or a seller aiming to make the most of your listing, this video offers valuable tips and strategies to navigate the evolving market landscape. Stay informed and ahead of the curve—tune in now! Is Arizona shifting into a buyer's market? We'll dive into inventory trends, buyer advantages, seller motivations, and expert advice on navigating today's housing market.  Stay tuned for tips that can give you a competitive edge whether you're purchasing your first home, upsizing, or looking to downsize.  Subscribe to stay updated on all things real estate in Arizona, and visit klausteam.com/callusfirst if you're ready to take the next step! 0:00 Introduction 1:01 Listing Inventory 2:30 What it means for Buyers 3:12 Interest Rates and Buyers 3:45 Why are Sellers Selling? 4:14 1-Moving Out of the Area 4:57 2-Move-up 5:28 3-Downsizing 5:57 4-Death, Divorce, Life Transition 6:50 Call Us First 7:20 Pricing and Presentation 8:42 Breaking it Down 9:08 Tips for Navigating the Market Real Estate and Market Experts: Kraig Klaus, Twila Edwards, Rick Collins, Steve Farrington, Scott Kooiman

In this episode of State 48 Homeowner, host Scott breaks down how the average American spends nearly $18,000 annually on nonessential items without even realizing it. From daily coffees and dining out to streaming services and impulse purchases, these seemingly small expenses can add up significantly over time. What You'll Learn: · Hidden Expenses: Uncover where your money is really going each month. · Detailed Breakdown: Analyze spending on coffee, dining out, subscriptions, rideshares, and more. · Real-Life Insights: Hear from guests like Karen, Twila, and Ty about their personal spending habits. · Actionable Tips: Get one simple step to start cutting costs today. · Financial Impact: Learn how reducing nonessential expenses can help you pay off debt, save for retirement, or afford a home. Why You Should Watch: If you're curious about how small daily expenses can affect your financial health, this video is a must-watch. Gain valuable insights into managing your finances better and making smarter spending decisions. Plus, find out how reallocating just a portion of these nonessential costs can bring you closer to your financial goals. Don't Miss Out! Stick around until the end for Scott's straightforward tip to help you start saving immediately. Your future self will thank you!

Welcome back! In today's video, we're taking you behind the scenes of an incredible home restoration journey. This house has faced it all—fire damage, mold infestation, termite destruction, asbestos contamination, and more. Join us as we walk through this severely damaged property with Jill Herndon, owner of Lotus Restoration Services, and discuss the comprehensive plan to bring it back to life.  

In this episode of the State 48 Homeowner Podcast, we explore the growing trend of golf cars in Arizona communities. Golf cars have become a popular mode of transportation beyond the golf course, with more people using them in neighborhoods like Adora Trails, Eastmark, Sunland Village East, and Morrison Ranch. Whether you're considering buying one for daily use or for fun, this video covers everything you need to know! Join host Scott Kooiman as he chats with special guests Todd Crouch, owner of Custom Golf Cars, and Rich Milburn from the Klaus Team. We discuss the pros and cons of owning a golf car, essential maintenance tips, and etiquette rules for golf car drivers. Plus, we dive into three important things to consider before buying a golf car, so you can make the best decision for your lifestyle. Chapters: · The Growing Trend of Golf Cars in Arizona Communities · Pros and Cons of Owning a Golf Car · Maintenance Tips for Your Golf Car · Golf Car Etiquette: Rules for the Road · Top 3 Things to Consider Before Buying a Golf Car From fun community parades to practical use around the neighborhood, golf cars are becoming a big part of the Arizona lifestyle. Watch until the end for tips on how to pick the right golf car for you and ensure it's well-maintained and road-ready! What You'll Learn: · Why golf cars are becoming more popular in Arizona neighborhoods. · The benefits and drawbacks of owning a golf car. · How to maintain your golf car to keep it running smoothly. · Etiquette tips for driving your golf car responsibly in your community. · Important factors to consider before making a golf car purchase. Key Takeaways: · Affordability: Golf cars are inexpensive to operate, with low insurance and maintenance costs. · Customization: Learn how people personalize their golf cars with unique designs and accessories. · Safety: Follow proper etiquette and local regulations to keep yourself and others safe on the road. · Buying Tips: Get expert advice on choosing the right golf car and dealer, especially if you're buying pre-owned.

In this episode of the State 48 Homeowner podcast, we sit down with Chris Koning, a 35-year-old elementary school teacher and Purple Heart Iraq War veteran, to learn how he built a real estate portfolio of 7 doors—all while working on a teacher's salary. Chris walks us through his journey from buying his first home with an FHA loan to expanding his portfolio using a modified BRRRR (Buy, [very light] Rehab, Rent, Refinance, Repeat) investment strategy. Whether you're new to real estate or looking for insights into building a portfolio with limited capital, Chris's story is a testament to what's possible with discipline and a strategic approach. We also break down the BRRRR method and how Chris adapted it to fit his investing goals without buying distressed properties. Key Topics Covered: ● Chris Koning's real estate journey: from one property to a growing portfolio. ● How the BRRRR method can help you scale up even if you start with little money. ● The power of leveraging equity to buy more properties. ● Why real estate is a powerful long-term investment tool for financial growth. ● The challenges and rewards of being a real estate investor on a modest income. ● Tips for building a trusted team of lenders, agents, and property managers to support your real estate growth. Learn from Chris's Story: Chris's journey proves that anyone with determination can succeed in real estate investing, regardless of income or background. If you're interested in growing your portfolio, learning how to use the BRRRR method, or simply exploring ways to invest in real estate, this episode is packed with valuable lessons and actionable advice. About Our Guest: Chris Koning is an elementary school teacher, Iraq War veteran, and real estate investor with properties in California, Arizona, and Oklahoma. Through disciplined investing and strategic leveraging of equity, Chris has built a portfolio of 7 doors, with more on the way. Listen and Learn: Join us to discover how you can build a real estate portfolio from the ground up, even with limited resources. Subscribe to the State 48 Homeowner podcast for more expert advice and insights into building wealth through real estate.

In this video, we address a crucial question on many minds: Is right now the best time to buy a home? With mortgage rates trending downward and competition cooling off, potential homebuyers are wondering if it's time to make a move. But will this favorable market last? We break down why waiting to buy could cost you more in the long run. You'll hear expert insights from our team members, including Kraig Klaus, Steve Farrington, Kenny Klaus, and Twila Edwards, who share their experiences and predictions for the housing market. Plus, stick around until the end for three essential tips to prepare yourself so you can act quickly when you find your dream home. What You'll Learn: · Current Market Trends: How declining mortgage rates and increased affordability are impacting buyers. · Expert Predictions: Insights on transaction counts and buyer activity for the upcoming quarters. · Buyer Demand Surge: Why a further drop in rates could lead to increased competition and rising home prices. · Real-Life Experiences: Twila shares a story about intense buyer competition, highlighting what could happen if the market heats up. · Actionable Advice: Three steps to prepare for buying a home now to avoid future competition. Key Takeaways: · Affordability Has Improved: Mortgage payments on a typical home are currently 7% lower than last year and 13% lower than the peak in May 2024. · Potential for Increased Competition: If rates drop further, more buyers may enter the market, leading to higher prices. · Timing Is Crucial: Acting now could save you from future competition and price hikes. · Preparation Is Key: Get prequalified, find the right agent, and manage your credit to be ready to make an offer. Don't Wait Until It's Too Late! If you're considering buying a home, now might be the perfect time. Avoid the rush that could happen if rates continue to drop. Our team is here to guide you through the process and help you find the right home before the market heats up.

In this episode of the State 48 Homeowner podcast, we dig deeper into one of the most critical homeownership issues—foundation and slab problems.  This week, foundation expert (and the Dirt Whisperer) RK Bob Brown joins us as we discuss common causes of foundation issues, including water damage, improper drainage, and how poorly installed landscaping can wreak havoc on your home's foundation. They also provide actionable steps homeowners can take if they notice cracks, uneven floors, or other signs of trouble. We also dig into how to properly address foundation problems, including: · Why you should hire a leak detection specialist before calling a plumber. · The importance of consulting a forensic geotechnical engineer for an unbiased evaluation. · What types of foundation repairs are necessary and when you actually need piers installed. · Real-life examples of common mistakes homeowners and landscapers make that lead to slab issues. · How to protect yourself from being oversold on unnecessary foundation repair services. If you're concerned about your home's foundation or suspect there's a problem, this episode is a must-watch to ensure you're not taken advantage of and can find the right solution to keep your home safe. Key Takeaways: · How to spot the early warning signs of foundation damage. · Steps to take when you suspect a slab or foundation issue, including calling the right experts. · Common slab issues caused by irrigation systems, pools, and landscaping errors. · Why not all homes need foundation piers and how to ensure you're getting the right repairs. · How to work with geotechnical engineers and foundation contractors without getting scammed. Relevant Links: https://klausteam.com https://state48homeowner.com https://foundationrepairsecrets.com Hashtags: #FoundationRepair #SlabFoundation #ArizonaHomeownership #HomeMaintenance #FoundationIssues #GeotechnicalEngineer #LeakDetection #ProtectYourHome #State48Homeowner #ArizonaRealEstate

Refinancing Your FHA or VA Loan to Save Money | Streamline Refinance Explained In this episode of the State 48 Homeowner podcast, we break down how refinancing your FHA or VA loan can significantly reduce your monthly payments and save you money in today's high-inflation environment. Host Scott Kooiman and mortgage expert Steve Farrington walk through the Streamline Refinance option, a powerful but often overlooked tool that allows homeowners to lower their interest rates without the need for equity, credit checks, or appraisals. Learn how a Streamline Refinance works, who qualifies, and how this hassle-free process can help you combat rising costs and keep your mortgage payments manageable. Whether you purchased your home recently or a few years ago, now might be the perfect time to explore this refinancing strategy and lock in lower rates. Key Topics Covered: ● What is a Streamline Refinance for FHA and VA loans? ● How to reduce your interest rate without needing equity. ● The step-by-step process for Streamline Refinancing—no appraisals, no credit checks, and limited documentation required. ● Why this option is perfect for homeowners with government-backed loans and interest rates above 6.5%. ● How real-life homeowners are saving hundreds of dollars per month through Streamline Refinance. ● How to know if you qualify and get started with just a 15-minute call. Why You Should Watch: If you're an FHA or VA loan holder, this episode is a must-watch! Get all the details on how to reduce your mortgage payments easily and quickly with a Streamline Refinance. Whether you're trying to offset rising insurance or tax costs or simply want to pay less on your loan each month, this episode has all the answers you need. About Our Experts: Scott Kooiman and Steve Farrington bring decades of experience in real estate and mortgage lending. As trusted Arizona real estate professionals, they are dedicated to helping homeowners navigate the complexities of the housing market and find ways to save money.

In this episode of the State 48 Homeowner podcast, we dive into the world of house hacking—a powerful real estate strategy that allows you to live for free while building wealth. Our guest, Dan Shelhamer, shares his personal journey of turning a house hack into a thriving real estate portfolio. Starting with just a single-family home and three roommates, Dan built a portfolio of eight doors in a short period of time. We break down two common models of house hacking: ● The Duplex/Fourplex Model – How to live in one unit and rent out the others without sharing your living space. ● The Single-Family Residence Model – Rent out extra bedrooms to cover your mortgage, as Dan did in his first house hack. Whether you're new to real estate investing or looking to expand your portfolio, this episode covers: ● How to buy a home with a low down payment (as little as 3.5%) using FHA loans. ● Tips for maximizing your cash flow through rental income. ● Step-by-step insights into growing a real estate portfolio while minimizing out-of-pocket costs. ● Practical advice on managing tenants, saving for future investments, and scaling up to multi-family properties. Dan also shares how he transitioned from long-term rentals to short-term vacation properties, boosting his cash flow and tax benefits. Key Takeaways: ● The best house hacking strategies for both single-family homes and multi-unit properties. ● How Dan went from paying zero housing costs to building a portfolio of 8 rental doors. ● Why house hacking is an ideal first step for new investors. ● The importance of leveraging FHA loans and smart financing options to grow your real estate empire. ● Tips on managing tenants and maximizing rental income, even if you're just getting started. About Our Guest: Dan Shelhamer is a real estate agent and investor with personal investment history that includes both long-term and short-term rental properties. He's an expert in house hacking, real estate investing, and leveraging creative financing to build wealth. Listen and Learn: Whether you're an aspiring real estate investor or a homeowner looking for ways to live for free, this episode provides actionable insights to help you get started. https://klausteam.com/callusfirst #HouseHacking #RealEstateInvesting #PassiveIncome #LiveForFree #RealEstatePortfolio #DanShelhamer #InvestmentProperties #FinancialFreedom #State48Homeowner

In this episode of the State 48 Homeowner podcast, we bring you key insights from our latest live stream, covering the most up-to-date trends and forecasts for the Arizona real estate market. Our expert panel, including top agents from the Klaus Team and Steve from Unity Home Loans, discuss the latest market data, what it means for buyers and sellers, and what to expect moving into 2024. From mortgage rates and home sales predictions to inventory updates and how new real estate regulations are affecting transactions, this episode covers it all. Whether you're thinking about buying, selling, or simply curious about the Arizona housing market, you'll get the expert advice you need to make informed decisions. Key Topics Covered: ● Current Arizona real estate market trends and data for Q3 2024. ● Mortgage rate updates: How recent changes impact your buying power. ● New rules for buyer-agent agreements and what it means for you. ● Forecast for home prices and sales volume in Arizona going into 2025. ● The role of new home builds in supporting the Arizona market. ● Expert predictions on how Federal Reserve rate cuts will impact the housing market. ● Why now might be the perfect time to buy before rates drop further. Why You Should Watch: Stay ahead of the curve by understanding what's happening in the Arizona real estate market right now. We share actionable insights for homebuyers, investors, and sellers navigating the current landscape. Plus, get advice from industry leaders on how to make the most of today's market conditions. About Our Experts: Kenny Klaus and the team at Klaus Team Real Estate Solutions are your trusted Arizona real estate professionals, offering decades of combined experience. With specializations in East Valley markets, they are equipped to guide you through every step of your real estate journey—from buying your first home to expanding your investment portfolio. Relevant Links: ● State 48 Homeowner Podcast Website: https://state48homeowner.com ● Contact the Klaus Team for expert real estate advice. https://klausteam.com/callusfirst ● Learn more about current Arizona mortgage rates with Unity Home Loans. https://unityhomeloans.com/steve-farrington/ Hashtags: #ArizonaRealEstate #RealEstateMarketUpdate #HousingMarket2024 #MortgageRates #HomeBuyingTips #ArizonaHomeSales #RealEstatePredictions #KlausTeam #State48Homeowner #investinrealestate  0:00 Taking Advice 2:37 NAR Settlement 5:47 Call Us First 6:18 Local Market Update 8:16 Wave of Foreclosures 10:25 Tips for Sellers 11:09 Interest Rates 13:55 Expert Predictions for 2025 - Rates Dropping 14:44 Expert Predictions - More Homes Selling 15:54 Expert Predictions - Home Prices Rising 16:23 What it Means for Buyers 16:47 What it Means for Sellers 17:13 Home Buying Process Now

In this episode of the State 48 Homeowner podcast, we explore the top 4 home improvement projects that offer the best return on investment (ROI). Whether you're prepping your home for sale or simply enhancing your living space, our guest Nat Stout shares expert tips on upgrades that can dramatically increase your home's value. From refreshing your kitchen to creating an inviting outdoor space, you'll learn which projects are worth the time and money. Plus, we'll give you 4 easy DIY projects that anyone can tackle to boost their home's appeal. Join us as we break down: · Kitchen/Great Room Update – How to modernize your most-used space and what buyers are looking for. · Outdoor Living Enhancements – Transform your backyard into a functional, resort-style oasis. · Simple Hardware Replacements – The small changes that make a huge difference, including door handles, faucets, and light fixtures. · Primary Bathroom Updates – From luxurious showers to fresh lighting, make your bathroom a retreat that adds serious value. In addition to these top ROI projects, we cover 4 DIY improvements that will give your home an edge: · Fresh coat of paint with neutral tones. · Installing under-cabinet lighting for a modern touch. · Smart thermostat installation for energy efficiency. · Adding taller baseboards for a sleek, contemporary look. Key Takeaways: · Discover how simple updates can transform your kitchen and great room. · Learn budget-friendly ways to enhance outdoor spaces, even in desert climates. · Understand why swapping out old hardware can instantly modernize your home. · Get practical advice for upgrading your primary bathroom without breaking the bank. · Easy DIY projects you can start today to increase home value. About Our Guest: Nat Stout is one of the Klaus Team's seasoned real estate experts. Listen and Learn: Whether you're a first-time homeowner or a seasoned investor, these tips can help you get the most out of your home projects. Subscribe to the State 48 Homeowner podcast for more expert insights on maintaining and improving your Arizona home. Hashtags: #HomeImprovement #ROIProjects #DIYHomeUpdates #RealEstate #HomeRenovation #HomeMaintenance #NatStout #State48Homeowner #ArizonaHomes

In this episode of the State 48 Homeowner podcast, we are thrilled to have RK Bob Brown, widely known as "The Dirt Whisperer," join us to debunk the most common myths surrounding foundation repair. With over 35 years of experience, Bob is an author, speaker, and patented innovator who has become a leading authority in foundation repair diagnostics. As the author of the upcoming book "Foundation Repair Secrets," Bob sheds light on how homeowners can save time, money, and avoid unnecessary repairs by understanding the complexities of soil behavior, structural mechanics, and foundation performance. In this conversation, Bob discusses his journey from founding Arizona Foundation Solutions in 1989 to becoming a recognized expert in the industry. He shares valuable insights into the importance of getting the right diagnosis for foundation issues and explains why many companies might not always have your best interests at heart. Learn why calling in a forensic geotechnical engineer could save you from costly mistakes and ensure the long-term stability of your home. Tune in as we explore the intricacies of foundation repair, expose the truth behind the most persistent myths, and offer practical advice for anyone facing foundation concerns. Whether you're a homeowner, real estate agent, or just curious about the subject, this episode is packed with actionable information that can make a difference. Key Takeaways: The four biggest myths in foundation repair and why they persist. The critical role of soil behavior in foundation performance. How to spot red flags when dealing with foundation repair companies. Why a forensic geotechnical engineer might be your best ally. Tips for homeowners to protect their property and avoid unnecessary repairs Episode Highlights: 4 Myths of Foundation Repair: Bob debunks common misconceptions, saving you from costly mistakes. Foundation Repair Secrets: Insights from Bob's upcoming book, designed to bring transparency to an opaque industry. Engineering Expertise: Learn how Bob's engineering-driven approach to foundation repair ensures the right solutions are found the first time. Understanding Soil Mechanics: Discover why understanding the dirt beneath your home is crucial to its stability and longevity.  Bob shares his vast knowledge, developed over decades as the founder of Arizona Foundation Solutions and now as the author of the forthcoming book Foundation Repair Secrets. He explains why it's essential to go beyond flashy marketing and commission-driven sales tactics to truly understand what your home needs. Bob has earned multiple certifications, including LEED accreditation and a designation as a certified Foundation Repair Specialist by the National Foundation Repair Association. He also holds patents and has developed cloud-based software to assist in foundation investigations. His expertise is invaluable for real estate professionals, homeowners, and anyone involved in the construction industry. Why You Should Listen: Protect Your Investment: Avoid unnecessary and expensive repairs by understanding the real issues at play. Expert Advice: Bob's insights are backed by decades of hands-on experience and a deep understanding of structural mechanics. Exclusive Content: Get a sneak peek into Bob's book, Foundation Repair Secrets, and learn about the common pitfalls that many fall into.  Don't miss this episode filled with practical advice, expert knowledge, and insider secrets that could save you thousands on your home foundation repair. 

Welcome back to the State 48 Homeowner Podcast! In Episode 160, we dive deep into the intricacies of using a Self-Directed IRA to invest in real estate. Host Scott Kooiman is joined by JP Dahdah, the founder and CEO of Vantage IRAs, a company that manages over $3 billion in assets for more than 18,000 clients. Together, they discuss the pros and cons of buying real estate with your self-directed IRA, offering invaluable insights into this unique investment strategy. Whether you're new to self-directed IRAs or a seasoned investor, this episode breaks down everything you need to know about leveraging your retirement funds to invest in real estate. Learn about the different strategies—like buying and holding (buy and hold), fix-and-flip, and leveraging non-recourse loans / DSCR (debt service coverage ratio) loans—and how they can fit into your overall financial plan. JP and Scott also cover the potential risks and benefits, giving you a well-rounded understanding of this powerful tool for diversifying your retirement portfolio. Don't miss out on this essential episode that could change the way you think about retirement investing. Be sure to like, share, and subscribe to the State 48 Homeowner Podcast for more expert insights on real estate and financial planning. Key Topics Discussed:

Are you a homebuyer in Arizona? Major changes have just hit the real estate market, and it's essential to stay informed! In this episode of the State 48 Homeowner Podcast, seasoned realtor Rick Collins joins the conversation as we dive into the recent shift requiring buyers to sign agreements before touring homes, a direct result of the NAR settlement. Whether you're a first-time buyer or a seasoned investor, understanding these new requirements can save you time, money, and headaches.  We discuss everything from the impact on casual home tours to how to choose the right agent for your needs. Rick shares his extensive experience, having sold over 500 homes, and gives you the insider tips on navigating this new landscape. Plus, learn the four crucial steps to picking the perfect real estate agent in today's fast-changing market. Don't miss out on this essential guide to Arizona's real estate changes! Make sure to like, subscribe, and hit the notification bell to stay updated with all the latest real estate news and tips.

Welcome back to the State 48 Homeowner podcast! Moving to Arizona? Don't forget to have these things handy on moving day! In today's episode, we're diving into the "8 Things You Don't Want Buried in a Box on Moving Day." Whether you're a seasoned mover or a first-timer, this episode is packed with essential tips to make your move smoother and more efficient. From cleaning supplies to snacks, from basic tools to squeezing the Charmin, we've got you covered.

Welcome to State 48 Homeowner! In this episode, we're excited to have Dennis Stinson, Senior VP of Sales at Fujitsu General America, join us to discuss "7 Ways to Make Your Home More Energy Efficient." With energy costs on the rise, it's more important than ever to ensure your home is running efficiently. Dennis shares expert insights on HVAC systems, zoning, insulation, and the latest technologies to help you save money and improve comfort. Key Takeaways: HVAC System Efficiency: Learn how SEER ratings and heat pumps can significantly reduce your energy consumption. Zoning: Discover how zoning can personalize comfort in different rooms and save energy.  Inverter Technology: Understand how inverter technology optimizes energy use in heating and cooling.  Proper Insulation: Importance of good windows, door sealing, and insulation to maintain home comfort and efficiency.  Regular Maintenance: The role of regular HVAC maintenance in ensuring optimal performance and energy savings.  Inflation Reduction Act Benefits: How you can take advantage of federal tax credits and state incentives to upgrade your HVAC system.  Dennis also provides valuable advice on finding reliable contractors and the benefits of maintaining your home's insulation. Whether you're looking to upgrade your HVAC system or simply want to make your home more energy-efficient, this episode is packed with practical tips and expert knowledge.

Welcome to the State 48 Homeowner podcast! In this insightful episode, we discuss the vital information Arizona homeowners need to know about utilities with our special guest, Arizona Corporation Commissioner Kevin Thompson. Discover how power from California impacts Arizona's grid, the role of the Arizona Corporation Commission, and how utilities are regulated to protect consumers. Learn about the state's power sources, the future of renewable energy, and the challenges facing Arizona's power grid. Join us for an engaging discussion packed with valuable insights for every Arizona homeowner.    

In this episode of the State 48 Homeowner podcast, we're joined by guest Twila Edwards as we delve into the "6 Ways Presidential Elections Impact the Housing Market." Discover how historical trends from 1980 to the present reveal the patterns of uncertainty, policy changes, and consumer confidence that shape the housing market every four years. From the global financial crisis of 2008 to the COVID-19 pandemic in 2020, learn how major political events influence home prices, mortgage rates, and buyer behavior. Tune in to understand what to expect as we navigate through another election year and how it might affect your real estate decisions. Don't miss out on key insights and expert advice to stay ahead in the housing market!

Welcome to the State 48 Homeowner podcast! In this episode, we're thrilled to have JP Dahdah, CEO of Vantage IRA, discussing the untapped potential of self-directed IRAs. Discover how you can leverage your retirement funds to invest beyond the stock market, and unlock new investment opportunities. JP Dahdah breaks down the essentials of self-directed IRAs, explaining how they offer greater flexibility and control over your investment choices. Learn the types of investments you can make, from real estate to private lending, and gain insights on how to diversify your retirement portfolio effectively. Don't miss out on this opportunity to enhance your financial future and avoid missing out on lucrative investment opportunities. Tune in now and start making the most of your retirement savings!

In this episode of the State 48 Homeowner Podcast, special guest Chris Colgan shares his expert tips on organizing and storing your sneaker collection. Whether you're a sneakerhead with dozens of pairs or just starting your collection, Chris offers invaluable advice on how to keep your sneakers in top condition and beautifully displayed. From the best storage solutions to maintaining the value of your prized shoes, this episode covers it all. Tune in to learn how to manage your sneaker obsession effectively!

Welcome to another episode of the State 48 Homeowner podcast, where today we're diving deep into a common Arizona homeowner's concern: How do I know if I have termites? Join us with special guest Dave Burns from Burns Pest Elimination as they explore the ins and outs of termite prevention and treatment in the arid Arizona climate. This episode is essential for any current or future homeowner in Arizona, offering practical advice, from spotting early signs of infestation to understanding the types of termites and the most effective treatments. Whether you're dealing with subterranean or dry wood termites, we've got you covered. Don't miss out on these expert insights that can save your home from costly damage.

Welcome back to the State 48 Homeowner podcast! In this episode, we go over ten home maintenance tasks you probably forgot to do. From checking your stem wall to cleaning your ceiling fans and defrosting your freezer, we cover all the critical maintenance tips to keep your Arizona home in top shape. Don't miss out on these valuable tips to ensure your home stays safe, efficient, and well-maintained, and also help you avoid costly repairs, especially during the summer monsoon season. Tune in and make sure you're on top of your home maintenance game!    

Welcome back to the State 48 Homeowner podcast! In this episode, Real Estate Broker Scott Kooiman and Steve Farrington from Unity Home Loans tackle the crucial question: "How much home loan can I afford by salary in Arizona?" They discuss the factors influencing home affordability, the benefits of homeownership, and the steps to take when considering buying a home. Steve shares valuable insights on loan options, property taxes, and the importance of getting pre-approved. Whether you're a first-time homebuyer or looking to invest, this episode is packed with practical advice to help you navigate the real estate market. Tune in to learn more about making informed decisions and achieving the dream of homeownership.

Welcome back to the State 48 Homeowner podcast! In this episode, we explore the journey of trash in Arizona with Jennifer Wargo, the communications director for Waste Management. Discover what happens to your trash, the engineering marvels of modern landfills, and the fascinating process of recycling. Jennifer also shares insights into the challenges of landfills and hazardous waste and the innovative ways Waste Management is contributing to sustainability, including partnerships with organizations like Waste Not to reduce food waste. Tune in to learn more about where your trash goes and how you can contribute to a more sustainable future.  

Welcome back to State 48 Homeowner! In this episode, we dive deep into the world of scorpions and how to deal with them effectively in Arizona with our guest Dave Burns from Burns Pest Elimination. We cover everything from scorpion behavior and habitat to effective remediation techniques, as well as answering what to do if you get stung by a scorpion. Learn about the innovative solutions Burns Pest Elimination offers, including their new Pest Borders technology that keeps scorpions out of your home for good. Whether you're dealing with a scorpion problem or just curious about these fascinating creatures, this episode has you covered.

Join us as we focus on an often overlooked aspect of something important in our homes: healthcare planning. In this episode, we discuss Arizona's advanced directive registry, a groundbreaking system allowing individuals to upload their advance care documents, ensuring accessibility via QR codes. Guests Carla Sutter, Operations Manager for Senior Healthcare Directives at Contexture, and Klaus Team Silver Director Dawn Milburn shed light on the importance of advance directives and navigating healthcare decisions. From understanding living wills to the significance of healthcare power of attorney, discover how technology and proactive planning can safeguard your healthcare wishes, even in emergencies. Arizona advance directive registry, healthcare planning, advance care directive, do not resuscitate, living will, trust and estate, QR codes, living wills, healthcare power of attorney, DNR documents, healthcare decision-making, State 48 Homeowner Podcast, Contexture, Klaus Team Silver, Carla Sutter, healthcare technology, healthcare directives, emergency preparedness.

Welcome to the State 48 Homeowner Podcast! In this episode, we're joined by Steve Farrington from Unity Home Loans to discuss the best mortgage options for first-time homebuyers. We dive into different loan types such as FHA, VA, USDA, and conventional loans, and also touch on down payment assistance programs. Whether you're new to the market or haven't owned a home in a while, this episode provides valuable insights to help you navigate your mortgage options. For more details, visit our website at claussteam.com or call us at 480-354-7344.

In this insightful episode of State 48 Homeowner Podcast, we sit down with Ashley Fortune, MSW, a social worker from Gilbert Public Schools, to discuss how parents can help their teens navigate the world of online safety. As social media becomes an integral part of our children's lives, it's important to understand how to keep them safe from potential dangers such as catfishing, sextortion, and online predators. Ashley shares her expert advice on establishing open communication, setting healthy boundaries, and utilizing parental controls. Watch this episode to gain valuable insights into protecting your teens online while respecting their digital autonomy.

Whether spring, summer, or fall, keeping your home in tip-top shape is essential for comfort and safety. In this episode of the State 48 Homeowner Podcast, we dive into the importance of maintaining your HVAC system and the role of filters in ensuring clean air and optimal performance. Our expert guest, Robert Marcheski, owner and operator of Polair, shares valuable insights on how to ensure your air conditioner will stay in peak operating condition throughout the summer. From checking your outdoor unit's refrigerant levels to understanding how to manage hot spots in your home, this episode is packed with crucial information for Arizona homeowners. Learn the best times to schedule HVAC maintenance and tips for preparing your home for the extreme temperatures ahead. Learn how different types of filters affect your home's air quality and the nuances of maintaining older homes. Don't miss out on this informative discussion and get ready to keep your home comfortable and safe during the intense summer months in Arizona!

Dive into the differences between smart and normal consumers in this episode of the State 48 Homeowner Podcast. We sit down with Ramsey Certified Financial Coach Caroline Kelly explore the hidden costs of comparison, impulse spending, and the pitfalls of credit card usage. Discover practical strategies for becoming a smarter consumer and managing your finances effectively. Learn about the concept of "failing forward" and how to use credit cards responsibly. Klaus Team Real Estate Solutions is a Ramsey Trusted Real Estate Partner. 0:00 Intro  0:59 Smart Consumers 1:50 Failing Forward 5:44 Strategic Action 8:32 Call us First 9:02 Biggest Pitfalls 11:02 OK in Their Own Scale 14:27 Comparison Creep 15:29 The Swipe 17:15 Solutions 17:49 True Cost of Credit Cards 19:31 Being Smart with Credit Cards 23:47 Bet on Yourself 24:13 Having Good Credit - But Not Using It 27:40 Everyone''s Situation is Different

In this episode of the State 48 Homeowner Podcast, crime prevention officer Dawn Blake from the Mesa Police Department shares valuable insights and real-life anecdotes about home security. From the dangers of leaving garage doors open to the importance of locking up firearms, learn practical tips to keep your home safe. Discover how simple measures like leaving lights on and participating in neighborhood watch programs can enhance your home security. Tune in to safeguard your Arizona home!

In this episode of the State 48 Homeowner Podcast, real estate market experts Steve Farrington, Nat Stout, and Scott Kooiman delve into the intriguing but unlikely scenario of a rapid decline in interest rates. From the perspectives of both buyers and sellers, they explore the dynamics of supply and demand, home prices, home affordability, and the importance of planning during uncertain times.   0:00 Intro 1:41 Where Are Rates Now? 7:28 Call Us First 7:58 If Rates Dropped Quickly 13:57 What Are Buyers Waiting For? 17:05 While You Wait

Join host Scott Kooiman and special guest Dave Burns, CEO of Burns Pest Elimination, in this eye-opening episode of the State 48 Homeowner Podcast. Discover the insider tips and cutting-edge technologies used by professionals to tackle pesky rodents and insects like never before. In this episode, Dave Burns delves into the intricacies of pest control, sharing valuable insights on understanding rodent behavior and implementing effective trapping programs. Learn about the evolution of pest control from broad-spectrum pesticides to more targeted approaches, as well as the dangers of DIY efforts with certain pests. Explore emerging technologies in pest control, including innovative solutions for bird control and mosquito management. From disrupting bird navigation to disrupting mosquitoes' ability to reproduce, Dave Burns reveals the latest advancements in the industry. Don't miss out on this informative discussion that emphasizes the importance of tailored pest control solutions and the commitment to customer satisfaction. Whether you're a seasoned homeowner or just starting, this episode will equip you with the knowledge and tools to master your pest control game. Tune in now and take the first step towards a pest-free home!

In this episode of the State 48 Homeowner podcast, host Scott Kooiman sits down with Ashley Fortune, a social worker from Gilbert Public Schools, to discuss a pressing concern for many parents: substance use among children and teens. As societal norms shift, so do the challenges faced by parents in addressing drug education and prevention. Ashley shares insights from her experience working with youth, highlighting the importance of open communication, early intervention, and being proactive in educating both parents and children about the risks associated with substance use. From recognizing signs and symptoms to navigating peer pressure and seeking professional help, this conversation offers valuable guidance for parents striving to create a safe and supportive environment at home.

In this episode of State 48 Homeowner, Scott dives deep into the alarming rise of title fraud in Arizona with guest Alysia Moore from Fidelity National Title. From targeting vacant lots to sophisticated schemes involving absentee owners, they uncover the tactics used by fraudsters to deceive homeowners, as well as diving in to other types of fraud. Learn how to recognize red flags, protect yourself from falling victim to fraud, and the crucial steps to take if you suspect foul play with your property title. Stay informed and safeguard your home investment in the face of growing threats.