Uncensored Real Estate Podcast

Taking advantage of borrowing money means utilizing borrowed funds to leverage growth opportunities and achieve business objectives. By borrowing, you can access capital that may not be immediately accessible, allowing you to seize growth opportunities, expand your business, invest in innovation, and improve operational capabilities.In this episode with Sarry Ibrahim, we delve into the world of finance and explore how borrowing money can be a strategic tool for business growth. We discuss the benefits of borrowing, including increased investment capacity, flexibility in managing cash flow, and the potential tax advantages associated with interest payments.Join us as we uncover the insights and strategies that can help you make informed decisions when it comes to borrowing money to fuel your business's growth. Don't miss out on this opportunity to learn how to leverage finance to maximize your potential for success.What you will learn:-How do banks make money-Who borrows the most money-Does a loan affect life insurance?-Qualification of an accredited investorGuest: Sarry Ibrahim         Thinking Like a Bank Thinkinglikeabank.comIG: @@thinkinglikeabankBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

This week's episode, we have a special guest, tax strategist David Perez, who will shed light on the fascinating realm of real estate as a powerful tool for wealth building and tax optimization. Have you ever wondered why real estate is often regarded as the top choice for individuals seeking to grow their wealth while capitalizing on tax benefits? Join us as David Perez uncovers the secrets behind this strategy and explores whether the popular saying "rich people pay taxes, but wealthy people don't" holds true. What you will learn:-Code code and rules-Tax vs assets -Tax benefits in real estate investing-Interest ratesGuest: David PerezTax Plan Expertssupport@davidperez.comhttps://www.taxplanexperts.com/IG: @iamdavidperezFB: facebook.com/TaxPlanExpertBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

In this episode, we explore real estate investing, including interest rates' impact on buying commercial or residential properties, the syndication model, returns and risks in multifamily deals, and value-add strategies to increase property value. Whether you're a seasoned or new investor, gain valuable insights from Jake Clopton into the complex world of real estate investing and how to make investment decisions.What you will learn:-Timing of buying commercial or residential -Syndication Model-Returns on multifamily deals-Value add to a  propertyGuest: Jake Clopton Clopton Capital 866-647-1650 https://cloptoncapital.com IG: @cloptoncapital1  FB: facebook.com/CloptonCapital/ Brian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

Buying a mobile home can be a good option for new homeowners for several reasons. Firstly, they are typically more affordable than traditional homes, making homeownership more accessible. They also require less maintenance and upkeep compared to a larger traditional home, making them easier to manage for those new to homeownership. Finally, many mobile home parks offer amenities such as community spaces and activities, creating a sense of community for residents and other homeownership perks you would not get with renting. Franco Perez takes us through how they are breaking the stigma associated with mobile homes and how they can be a great option for those struggling to become homeowners.What you will learn:-Breaking the stigma of mobile home living-How mobile homes are made-Do mobile homes appreciate?Guest: Franco PerezFranco Mobile Homeswww.franco.tvfranco@franco.tvIG: @francosiliconvalleyFB: Facebook.com/francoperezhomesBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

Real estate markets can vary by location and can be influenced by many factors such as supply and demand, interest rates, and the overall economic conditions. Many real estate professionals have argued the real estate market is not going to crash based on real numbers data. But did anyone believe the market might swing back to a sellers market this quickly? We sit down with Brooke Baenen to discuss what the real estate market looks like in her area and speculate that other markets may be following suite sooner than anyone expected. What you will learn:-Things realtors should know -Why homeowners are hesitant to sell-Modular homes-What can a buyer expect right now?Guest: Brooke BaenenRealtor at eXp Realty(920) 371-4944IG: @brooke_baenenFB: Facebook.com/brookekwaterskiBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

This week Kristen Morgan discusses how home buyers are currently in a better position to buy than they were a year ago. Firstly, interest rates are still at historic lows, which means that buyers can secure lower mortgage rates and potentially save thousands of dollars over the life of their loan. Additionally, housing inventory levels have improved in many areas, giving buyers more options to choose from and potentially reducing competition for homes in addition to some sellers may be more willing to negotiate on price or offer concessions.What you will learn:-Options with lenders-Buyers in this market-VA loansGuest: Kristen MorganMortgage(770) 598-3004mortgage.com/nmls1635695kmorganteam@umortgage.comIG: @tnplhmortgageteamFB: Facebook.com/kmorganmortgagedivaBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

There are some things people don't know about buying real estate that could actually cause your entire loan to fall apart. Today, we chat with Marissa Lisky about some of the most common this we hear from home buyers that they want to know about the home buying process and no one is disclosing and what not to do when buying a home! What you will learn:-Be real and authentic-Is now a good time to buy?-Marketing and social media -Mortgages now vs 2020Guest: Marissa LiskyeXp Realtymarissasellsaz.comIG: @marissaliskyFB: https://www.facebook.com/marissa.liskyBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

The biggest struggle in real estate right now for consumers and professionals is interest rates. Instead of focusing on the negative aspect of that focus on educating yourself or your clients on how to maneuver these high rates into a benefit during the home buying process.What you will learn:-Social Media Content-Offering solutions instead of negativity -Macro vs Micro in real estate-Negotiation and rate drops-Consistency Guest: Jeffrey St. Arromand Serhant(646) 228-6471serhant.comjsa@serhant.comIG: @jsa_sells_nycFB: Jeffrey St. ArromandBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

Getting a home warranty when buying a home can provide peace of mind and financial protection against unexpected repairs or replacements of major home systems and appliances. However, whether it is important or not depends on individual circumstances and preferences. Consider your budget, the age and condition of your home and appliances, and your willingness to handle repairs on your own before making a decision. In today's episode we get the opinions and fresh perspectives of real estate entrepreneurs Andrew Hatfield and Jacob Buchele on this and much more!What you will learn:-Forging your own path-Trimming the fat in real estate-Market shifts-Getting prequalified -Home warrantyGuest: Andrew HatfieldeXp Realtybetterdesertliving.comIG: @andrewhatfield_realtorFB: Facebook.com/drew.hatfield.73Jacob BucheleeXp Realtybetterdesertliving.comIG: @Jacob.bucheleFB: Facebook.com/jacob.bucheleBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

Home buyers who had difficulty purchasing a home in 2020 due to cash offers and large institutions are beginning to enter the current market. Prices have stabilized and decreased, but rates are still higher than in previous years. Inventory is limited, while demand is increasing. Sellers are more likely to agree to concessions which continues to give buyers more power. What is our prediction on if the market will crash? Listen to this episode with Mike Hardesty to find out!What you will learn:-Gentrification -Home improvements to sell for more-Role of negotiation as a buyer-Truth behind Goldman Sachs housing crash articleGuest: Mike HardestyHomesmart(623) 217-3044statefortyeightrealtor@gmail.comIG: @zinniasatmelroseFB: Facebook.com/mike.hardesty.142Brian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

We are seeing a shift in real estate  where people are more interested in renting and having less financial responsibility than comes with being a homeowner. Is this an organic cultural shift or is it driven by large hedge funds who are buying up all the inventory and forcing people into renting?What you will learn:-Maximize your return when selling your home-Photographing a space-Multi-family Investing -Changes in the real estate marketGuest: Barbara Heil-SonneckDesign 2 Sell(678) 505-1433shopdesign2sell.comIG: @barbaraheil-sonneckFB: Facebook.com/barbara.heilsonneckBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

Is the traditional way of selling your home coming to an end? We spoke with Lindsay McLean, CEO and Co-Founder of Home Lister, about a way for consumers to manage the process of selling  their home through an online software while choosing how much support they want.What you will learn:-Buyer and seller communication -Scheduling apps for open houses-Marketing in this market-Code of ethicsGuest: Lindsay McLeanHomelister(855) 400-8566homelister.comIG: @homelisterFB: Facebook.com/homelisterBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

Everyone in the news and media is buzzing about a recession. What is actually going on? In order to have a market recession or correction you have to have an abundance of supply and the simple truth is there is a lack of homes on the market to justify the claims the media is making. We dive into the data behind these rumors with Blake Clark.What you will learn:-Selling vs Educating-Real estate investing-Real estate recession-Personal development and marketingGuest: Blake ClarkLimitless Real Estate480.902.4700soldbylimitless.comIG: @blake_sells_azFB:  https://www.facebook.com/blakesellsazBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

Can you trust the media with information involving the real estate market? The truth is there are a lot of people in the real estate industry who don't even know what they are talking about but if you find the sources and channels who are giving factual information with numbers to back it up, then yes you can trust the media. What are some of those sources? Bethany Nolan gives her top media sources consumers can follow and actually listen to! What you will learn:-Realtor designations-Winners and losers in transactions-Real estate market crash-Look at the numbers and your budgetGuest: Bethany NolanNolan Propertiesbethany@nolanpropertiesllc.comnolanpropertiesllc.comIG: @bethanynolanrealtorFB: Facebook.com/BethanyNolanRealtorBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

As an agent how do you show value to buyers and sellers so they want to work with you? Branding and service are key! Showing you have knowledge in the industry and being willing to educate consumers shows your worth and then branding comes into play. A consumer needs to be able to know who you are and what your values are to make sure it aligns with them.What you will learn:-Different markets across the country-Will there be a market crash?-Why branding is important-Getting creative as a real estate agentGuest: Jonathan NormolleSerhant312-972-5087normalle@serhant.comFB: facebook.com/serhant/Brian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

Buyers are doing their research before buying a home and agents have to prove their value now more than ever. What does that look like? Amanda Gordon discusses how being able to educate clients on their options, showing them the numbers and providing them with net sheets will go a long way!What you will learn:-What is happening with renters and buyers-Advice for buyers-Interest rates, inventory and more-Airnb rentals-Rent vs. mortgage Guest: Amanda GordoneXp Realty (330) 605-5143amhomegroupllc.comFB:facebook.com/mandy.gordon.509511Brian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

Real estate is an appreciating asset. What does that mean for where the market is going? What does the media and news want you to believe? Being educated as a consumer is the most important thing before buying home and finding the team who will take the time to discuss the real estate market and how you how normal each trend is will make all the difference! What you will learn:-Home buying misconceptions -Searching for Realtors online-Current inventory and rates-Current buyers vs sellersGuest: Veronica WiereXp Realty (832) 209-6873Veronica.wier@exprealty.comFB:facebook.com/thewierteamBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

Have you ever wondered why a bank would lend you 95% or more of the value of real estate, but they won't lend you anything more than 50% of the price of their stock? When you buy a property, single-family or multi-family, it is one of the safest investments you could ever put your money into. Listen as we chat with Luke Schlabach on all the opportunities real estate can bring.What you will learn:-Getting recommendations-Veterans leaving money on the table-House hacking -Steps in buying a property-Real estate vs stockGuest: Luke SchlabachRealtor Keeler Williams Realty Partners 10X Business Advisor10X Elite CoachGrant Cardone Licensee352-342-4008IG: soldbyschlabachBrian Cardenas | NMLS 183143 Host & Mortgage BrokerGive Mortgage powered by UMortgageCorp NMLS 1467759(480) 331-4684 www.give-mortgage.comIG: briancardenas_givegroupTT: briancardenas_givegroupFB: facebook.com/brian-cardenas.az 

Are you navigating the home buying process? Who do you have working for you? Do you know what kind of person they are? Brian and Dominic Milinazzo go through the different ways you can find great people to help you through your process of finding a home and solving your specific problems. What you will learn:-Social media presence vs. experience in the business-Finding properties and financing options-Seller advantages-What is a ballon in real estate?Brian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

Most of us struggle with looking at the big picture. We all want immediacy. As a buyer what tools can you use to view your real estate investment in the long-term and as a professional in real estate what tools can you give your buyers to help them shift their mindset? Mortgage Loan Originator Sosi Avila joins us to share his desire to bring change to the industry to give people the help they deserve. What you will learn:- Deconstructing what a mortgage is- Why people aren't selling- Bidding wars- Opportunity marketBrian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

The real estate world is oversaturated with professionals who are not in the business for the long run. How do you tell the difference between those not invested in this industry and the ones who will fight for you? Customer service and education will set them apart. What you will learn:- What makes the best real estate agent?- Be an educational resource for your clients- Mindset to creating opportunity- Where to get quality leadsBrian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

This week Brian dives deep in a solo episode to answer all your burning questions about inflation and the real estate market. The sky is not falling! When there are downturns in the market people often panic but there is always a group who can see if for what it is - an opportunity to take advantage of that downturn and make money. How does real estate fit into this? What you will learn:- The Fed Funds rate- Household formations- Affects of inflation right now- What are the Fed goals with jobs?Brian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

The real estate market is still dreadfully low on supply and we are seeing homeowners who are "stuck" in their mortgage not wanting to sell and trade their low rate for one that is 2x higher. So what is the solution to bump housing supply as demand for homes continues to grow? New construction! Nicollette Chapman gives us an inside scoop of the builder world and why new construction could be the perfect solution for you if you are looking to buy!What you will learn:- Builder incentives for buyers- Builder contracts- Price points of new builds - Vacant lots and builder planning- New build rentalsBrian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

This week we speak with Jimmy Hobson, UMortgage branch manager,  and dive into the many types of loans, how we determine which loan is best for the consumer and where the opportunities are for buyer in the current real estate market. What you will learn:-VA Loans, FHA Loans, Conventional Loans-Opportunities for home buyers-Insight into mortgage rates-Housing supply and demand now vs 2008Brian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

The effects of the Fed's rate hikes in its war against inflation are being felt in every part of the economy, as recession fears continue to climb . The stock market continues to fall, companies are scaling back employee hours or making cuts , and mortgage interest rates are rising even more than anticipated. Home prices have even begun falling from their peaks. Now, the question is how far they will drop? Join us as we talk with Matthew Potter, short sale magician, as we dive into details on a recession, short sales and foreclosures.What you will learn:-What happens if a recession comes-Long term loan options-Short sales-Builder price incentivesBrian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

The real estate market has been a roller coaster and some common concerns we are hearing are interest rates, a recession, home supply and if it is a good time to buy. We discuss with Dallas Haldigo how these factors are related why if you are looking to buy or sell a home this year, it is still a good time do so as long as you do your due diligence. What you will learn:-Buyer opportunity in this market-Interest rates and recessions-Strategy for pricing your home-Education on becoming a homeownerBrian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

Real Estate agent, Liz Kiener, says "I Don't Do ugly Houses". What does she mean? Well it's probably not what you think. In this episode, she goes through the psychology behind a buyers first impression of a home and why agents putting in more effort into getting their listings market ready helps everyone in the long run.What you will learn:- Ways to get your home market ready on a budget- Finding the right agent-Importance of balance as an agent-Changes we are seeing in buyers in this marketBrian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

This week on the Uncensored Real Estate Podcast we speak with another lender, Drew Kozel, to discuss everything about this real estate market. If you are wanting to use real estate as a tool to build wealth then this is a must listen episode! We share our knowledge on what is currently happening with mortgages and real estates, our predictions for where we will be in 6-12 months and tactics you can use to plan for buying a home and how to use it to build generational wealth. What you will learn:-This is not the 2008 market -Difference is loan docs between now and 2008 -Bad lending and over supply of homes-What are the opportunities in this real estate market -Leverage your assets -Drew's one tip for homebuyers Brian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

Putting your home on the market for top dollar without making it “market ready” doesn't cut it in this market anymore. So how do you know how to price your home correctly and get the most bang for your buck? Michele Robbins goes over her top tips for getting your home ready to sell, trends in this market and much more! What you will learn:-Trends we are seeing with moving  -Inventory when buying and selling -Dead equity -Real estate investment -Tips to get the most bang for your buck with selling Brian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

Buying a home is the biggest purchase most people make in their life. Why are they trusting the "easy" online lender with something so important? Matt Brady joins us on the Uncensored Real Estate Podcast to go through the  advantages and disadvantages of all the different ways ways you can get a mortgage.What you will learn:-Advantages and disadvantages of getting a mortgage with a bank-Online lenders-Retail mortgage banker-Rates and customer experience -Prequalified vs Pre-ApprovedBrian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

The real estate market continues to shift and we are reaching a more level market. What does this mean for buyer and sellers? Buyers have more power and sellers have to compete with other properties on the market when trying to sell. Cue the importance of staging and upgrades! What you will learn:-Current hurdles in the market right now-Home appreciation-Staging and upgrades -Appraisals -How buyer's can find the right agentBrian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

When it comes to real estate, there is plenty of bad advice online and lots of misinformed people. The simple truth is Google does not replace the value of a real estate agent. Real estate genius, Jonas Funston, dives into why doing your research and selecting a professional who is right for you is so important to guide you through your real estate journey. What you will learn:-Benefits of owning real estate will always outweigh the negatives-Is it still a good time to sell?-How to get started with real estate investing-House hackingBrian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

Rates are not the most important factor when it comes to mortgages, home insurance, etc. Communication and knowledge are key. So why is everyone tunnel visioned on rates?  We talk with Kevin Ducey on the importance of taking a consultative approach to insurance and mortgages and not only focusing on rates.What you will learn:-Saving money when it comes to insurance-Impacts inflation has on insurance-How often you should review your home insurance-Rate vs coverageBrian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

Is the housing market slowing down or just leveling off from the craziness we have been seeing recently? We discuss the numbers of the current market we are seeing in comparison to the numbers from previous years with real estate expert Susan Salamone. She gives her opinion of buying and selling now vs waiting and strategies to do so.What you will learn:-Competition when selling your home -Homes on the market, average days on market and comparing that to previous years-Are we in a recession? What are interest rates?-Needs of moving and timing the marketBrian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

We've said it before, but the real estate market is changing! So what are some of the trends we are seeing now? One of the biggest ones is there are more options when it comes to buying a home. In the last 2 years, we saw many people buy homes they may not have before (based on location, price, size) just to be able to get property. With the recent market shifts buyers have more freedom to make a list of what they want in a home and to shop around for it. We talk with Retsy real estate agent, Russell Harris, about all things real estate and why buyers shouldn't shy away from creating their home buying wishlist. What you will learn:-New trends in real estate market-Impact inflation has on interest and mortgage rates-Marketing is making a comeback-Building relationships that last Brian Cardenas | NMLS 183143 Host & Mortgage Broker(480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

Have you heard of the bandwagon effect? Doing something because it seems everyone else is doing it? Well it seems that was true with the real estate market the last few years!  Why buy real estate when everyone else wants to buy? That doesn't make sense! Mike Cuevas explains why you should buy or sell based on your life and your needs not because everyone else is doing it. We also go into detail of how buyers you can utilize the recent shift in the market to their benefit to negotiate with sellers and make a purchase more manageable for them. What you will learn:-Rate buydown -Programs that will become popular to sell and buy your home-Moving pieces in real estate-Buyer purchasing powerBrian Cardenas | NMLS 183143 Host & Mortgage Advisor (480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

This week we were privileged to have President and CEO of UMortgage, Anthony Casa, share his thoughts on mortgages and buying home  in the market were experienced the last few years vs the market we are heading into. What you will learn:-Why listening to the media about the housing market can be a negative-Motivators we are seeing for buying real estate-Why the buyer has more control in this market than previously Brian Cardenas | NMLS 183143 Host & Mortgage Advisor (480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

Uncensored Real Estate PodcastThere are a lot is misconceptions regarding credit debt and credit repair so we wanted to bring on expert, Paige White, to help us determine what the right thing to do is when it comes to fixing your credit and why you shouldn't do it. Sounds confusing, right? We clear it all up in this episode! Contact us atuncensoredrealestatepodcast@gmail.com(480) 331-4684Instagram - instagram.com/cardenasmortgageteam/Facebook - facebook.com/brian.cardenas.az/Brian Cardenas | NMLS 183143 Host & Mortgage Advisor

No one can predict what is going to happen in the real estate market. We can analyze past data, we can look at what is projected and we can read numerous reports but does anyone truly know what is going to happen in the next 6 months to a year? Maybe if you have a crystal ball! Join us as we speak with Dayton Toombs as we discuss the current real estate market! What you will learn:-Working with a real estate agent who genuinely cares for your needs-What is a buyer broker agreement?-What is the best way to get your home sold for the best price and the fastest?-How to use a Listing Agent to your benefit when buying a home?Brian Cardenas | NMLS 183143 Host & Mortgage Advisor (480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

What are your options when buying or selling your home? Do you have to hire the first person you talk to? NO! Seasoned real estate agent, Melani Beauregard, goes into detail on why consumers should interview agents and loan officers like a job interview and helps narrow down some of the components that may be important to a consumer when buying a home and hiring a team.What you will learn:-Consumers have the right to interview agents and loan officers-Questions you should ask agents-Availability and how it plays a role in the transaction-Independent real estate agents can do vs. companies Brian Cardenas | NMLS 183143 Host & Mortgage Advisor (480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

Selling your home can feel like a daunting task. Is there a special formula you can use to make it easier? Unfortunately, no. There are many different methods, companies and realtors consumers can use when selling their home and each one will most likely provide a solution to a different problem or concern they have. Join us in this episode where we sit down with Rachele Oram who is a wealth of knowledge of all things listing and selling your home!What you will learn:-Who will represent your interests and goal when selling-Why working with an agent who prioritizes communication  is key -Appraisals vs. Listing price-The importance of trusted vendors Brian Cardenas | NMLS 183143 Host & Mortgage Advisor (480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

The real estate market is full of claims that you can sell your home faster and for more money with these ibuyers. Is that true? Dustin Holindrake helps us shed some light on this and so much more that consumers don't know about in the real estate industry. What you will learn:-Truth behind all the ibuyers (Zillow, Opendoor, 72Sold) -Honesty and transparency in the real estate industry-What to ask a realtor to know if they are good at their job -Why it matters who you hire when buying or selling a homeBrian Cardenas | NMLS 183143 Host & Mortgage Advisor (480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam FB: facebook.com/brian-cardenas.az 

The market is shifting and everyone is wondering is it still a good time to sell or is there a better time to buy? What is the right answer? In this episode of Uncensored Real Estate Podcast we sat down with real estate expert Peggy Gascon to discuss her thoughts on buying, selling and so much more!What you will learn:-1031 Exchange-Appreciation and lower prices -Smart money Brian Cardenas | NMLS 183143 Host & Mortgage Advisor (480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam  FB: facebook.com/brian-cardenas.az 

I am sure you gone to the grocery store or filled up your car with gas and noticed the prices for everything are higher? Do you wonder why this is? We dive into what is causing inflation from Financial Advisor, Dale Shafer, and where the market is going.What you will learn:-What is happening with inflation -Investors and interest rates -Why the Fed raised rates and how that impacts mortgages-How the market is different & where it is goingBrian Cardenas | NMLS 183143 Host & Mortgage Advisor (480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam  FB: facebook.com/brian-cardenas.az 

Looking to buy or sell your home and feeling unsure about hiring an agent? In this episode we dive deep into how each agent is different and how a consumer should tackle hiring the right agent for them. Things you will learn-Interviewing a real estate agent-Writing strong offers -Why choosing a lender matters -Negligence in the industry Brian Cardenas | NMLS 183143 Host & Mortgage Advisor (480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam  FB: facebook.com/brian-cardenas.az 

Ever wonder about the inner workings of real estate? In the launch of Uncensored Real Estate Podcast we sat down with real estate expert Frank Eyraud to discuss a little of everything. What you will learn:-How to get an offer accepted over a cash buyer-What is an escalation clause -Appraisalsand industry secrets you won't want to miss! Brian Cardenas | NMLS 183143 Host & Mortgage Advisor (480) 331-4684 www.thecardenasteam.com IG: cardenasmortgageteam  FB: facebook.com/brian-cardenas.az