Podcasts about bay equity

This week on the Messy in The Middle podcast, Jefi and Ed speak with John Schindel, a mortgage loan officer at Bay Equity. They discuss the importance of getting pre-approved before starting the home buying process and the common hurdles that buyers face. John shares why having a long-term financial plan and working with a financial planner to align homebuying goals with overall financial goals is valuable. He also explains the difference between a soft pull and a hard pull on credit and advises against making any major financial changes, such as quitting a job or taking on new debt, during the home buying process.QUOTES"The number one thing for me is that anybody that buys a home, it's the number one precursor. Or statistically, it is the number one thing that means that your children are going to have a better life than you. Intergenerational wealth always comes with your parents owning their own home." -John Schindel [03:59]"Your reputation is on the line every time you write an offer. If you're going to write an offer with a non-approved buyer and put that listing agent through the process of presenting and possibly accepting, not knowing that that buyer can accept, you're not going to look too good as an agent at all. And the next time you write an offer for your beautiful buyer who didn't get the right information, you're not going to get your offer accepted.” -Jefi Moultrie [08:30]TIMESTAMPS[01:58] Importance of getting pre-approved before house shopping [05:57] Biggest hurdle with buyers: meeting them after making offers [10:53] Loan estimate and comparing lenders' costs [12:44] Starting with a trusted lender before shopping rates [14:19] The break-even point and the opportunity to refinance [21:34] Considering the quality of life when determining budget [25:32] Difference between hard pull and soft pull for credit checks [28:08] Top three things not to do when getting ready to buy a house RESOURCESNever Split the DifferenceThe Five Dysfunctions of a TeamThe Peak ExperienceThe U.S. Housing Market Has PeakedWhy Rising Mortgage Rates Push Buyers off the FenceThe One Thing Every Homeowner Needs To Know About a RecessionCONTACTMessy in the Middle:

This episode is also available as a blog post: https://thecitylife.org/2023/03/09/tanner-mcdaniel-neymara-carvalho-and-sammy-morretino-wins-the-2023-route-99-bay-equity-pipeline-bodyboarding-challenge/ --- Send in a voice message: https://podcasters.spotify.com/pod/show/citylifeorg/message Support this podcast: https://podcasters.spotify.com/pod/show/citylifeorg/support

Listen, rate and share this podcast to those who need to find more balance in their lives! In this episode we pick Ryan's brain about moving across the country, common questions about mortgages, and how to balance family, work, and coaching. Ryan Templeman, a mortgage lender with Bay Equity, talks with Kara and Maggie about how he moved his family across the country and the thought process behind the move. He discusses his career change from vice principal mortgage lender and the way this career has opened many possibilities for him. We then go on to ask him many commonly asked questions from people looking to buy a home. We also discuss the tips Ryan has for others regarding balancing his family, his job, and his coaching gig. Important Time Stamps 434: Tips for young people on how to get better odds of approval for a mortgage575: Get in the market and figure it out as you go 710: The FED hike in rates does not always affect the consumer level 885: Down payment assistance programs 965: Your first home should not be your dream home 1090: pre-qualified and pre-approved are NOT the same 1420: communication is key for work/life balance1461: Do not be afraid to change careers if you are not happy 1540: Be disciplined and diligent with your calendar! Subscribe, share and follow along with us!http://thebogettipartnersbradfordrealestate.com/

Jim Corbett, Former Chairman at Bay Equity and Founder of the Sacramento Entrepreneurship Academy (SEA), has not only navigated his own entrepreneurial journey culminating with a successful exit but has positively impacted the journey of so many others.  He founded SEA in 1986 before entrepreneurship was a household term and over the years has worked to support nearly 1000 entrepreneurs including some of our region's most notable founders like Buzz Stryker of POS Portal.  Jim's advice to all those aspiring to build their own company – Listen more than you talk and don't quit.  Tune in for this dynamic conversation with one of our region's treasures.

Community is the reason for doing business for Northern Nevada's highest rated lender online, Mike Richardson! I had the pleasure of sitting down with Mike Richardson and real estate/mortgage expert Dulce Drakulich to better understand the dynamic of running a business and having the heart to do things for the community while meaning it!    At Bay Equity they understand that your house is a home and not a loan. They know this because they have always been in the business of caring about their customer's journey, and writing their story right alongside their clients. Being on the mic with them, I soon gathered that this wasn't just a well written mission statement, this was the lifestyle they truly live on a day-to-day basis. I believe this is an extraordinary mindset, especially from business owners and experts in a very competitive business. Mike and Dulce started their careers during the Great Recession in 2007, which was fueled by easy credit, insufficient regulation and toxic subprime mortgages.   Tune in to the three of us as they talked business which was very informative, but they spoke more of their "why", their reason and their purpose. I was personally astonished by this internal passion that clearly separates them from the rest in their field! There is a reason why they are the best, and that is because they believe their client is more than a sale. You can feel there is care, love and respect on the other side!    Reno, Nevada is honored to have Mike and Dulce of Bay Equity in their corner! I told them both without people like them, change is hard to come by when it comes to community! People need to care in order to have change and these two care...a lot!    Thank you so much for taking the time out to listen to Project You with Camie Cragg, an audience that continues to grow every single day!

We talk Arizona real estate as well we talk to a real Sugar Daddy and find out all about this arrangement. Curious? We sure were! On this podcast:  Realtor & Host Diane Brennan with Coldwell Banker, Ashleigh Herman with Realty One Group, Courtney Crowder & Stacy Voss with Bay Equity, Marcus, host of "Secrets of a Sugar Daddy" podcast.     (2:48) UNSUNG HEROES PROGRAM - How we help first responders in the Valley buy or sell a home. We contribute 25% of our commission to help the first responder , Bay Equity gives the hero back 1.4 of 1% of the total loan amount and our participating title companies give back as well.  First responders include police officers, firefighters, active duty military, Veterans, 911 operators and emergency room personnel. Reach us at thatrealestateshow.com     (3:39) CONGRATS to our clients!     (4:18) GILBERT - Is it really teeming with singles or does it still have the stigma of being a "family" place. We discuss.      (5:26) MCCORMICK RANCH, SCOTTSDALE - We have a new listing in a great area in Scottsdale, AZ      (5:45) BUYER BEWARE - This company is essentially advertising “free cash” to homeowners.  It appears that once the homeowner signs their agreement and they get the “free cash,” MV Realty, or someone else under their umbrella, records a signed Memorandum of Agreement against the property where the homeowner agrees to use MV Realty any time in the future to sell their home.  The recorded Memorandum is essentially a lien on the property so it clouds the title.  If the homeowner at any time in the future decides to sell using another company, they can't close without MV removing the Memorandum Agreement which will cost the homeowner thousands of $$$.   One complaint was written by the trustee of a property after their Dad had passed away and the trustee sold the property.  The trustee never knew that the Dad (who apparently had Alzheimer's) signed this agreement until it showed up on the title.  The trustee had to pay this company thousands of $$$$ to get the lien removed.  The trustee complained and he received a letter written in “legalese” that they are not doctors and did not know Dad was mentally impaired, and the agreement of course also included some language that includes all heirs successors.      (7:38) TIK TOK - Diane's love of Tik Tok continues and she posts them on her IG stories. If you want to follow the IG stories that Stacey loves on Diane's feed, just follow her on IG @myrealtordianebrennan     (9:50) BANISHED WORDS LIST - We all still want to use these! Lake Superior University came out with the list of words they'd like to see banished in 2022.     (13:29)  OWN IT GIRL'S MARKET REPORT - Find out how low listings are in a few of the cities in the Phoenix metro area.     (14:20) SUGAR DADDY AND SUGAR BABIES - Marcus is the host of "Secrets of a Sugar Daddy" podcast and a real live Sugar Daddy. We find out all about the ins and outs of these arrangements.      OUR CONTACT INFO: Diane Brennan, Coldwell Banker Realty  Diane@ThatRealEstateShow.com, 602-620-2277 IG & Tik Tok: @myrealtordianebrennan Ashleigh Herman, Realty One Group, ashleigh.f.herman24@gmail.com, 480-532-3140   Courtney Crowder  Bay Equity Home Loans 280-459-3307 ccrowder@bayeq.com   Stacey Voss SW Business Development Officer svoss@bayeq.com   Marcus "Secrets of a Sugar Daddy" podcast secretsofasugardaddy.com

Join Diane Brennan, Host and Realtor with Coldwell Banker, Ashleigh Herman with Realty One Group, Justin Volpone with Bay Equity Home Loans and Mary Van Alstyne with Landmark Title.    (1:39) We invite first responders to take part in our "Unsung Heroes Program." Diane and Ashleigh contribute 25% of their commission to the hero. Bay Equity contributes .25% of the total loan amount toward closing costs.  First Responders include active duty military, Veterans, police officers, firefighters, 911 operators, emergency room personnel.    (3:10, 49:39) We are going to try a new restaurant each week and let you know about it. This week is The Henry in Phoenix on Camelback and 44th Street. https://www.thehenryrestaurant.com/ Look at the picture of Diane's steak she got at the Henry. Listen to the reaction of the crew. Find the picture on Instagram @thatrealestateshow and @myrealtordianebrennan   (4:37) We find out what everyone's reading or audiobook they're listening to and what they think Ashleigh: The Gap and the Gain, Dan Sullivan with Dr. Benjamin Hardy Mary: A Happy Pocket Full of Money, by David Cameon Gikandi Justin: I Will Teach You To Be Rich, by Ramit Sethi Tristan: Bullshit Jobs, by David Graeber Diane:  Will by Will Smith    (14:35)There's a chain letter type of thing going around Facebook. Check out Diane's FB page.  If you'd like to join: email Diane:  Diane@ThatRealEstateShow.Com   (16:11) Diane talks about her road rage incident with a California driver.   (24:10) Find out the latest about the AZ Real Estate Market thanks to our friends at the Cromford Report.   The sellers market continues. We have low supply in the Valley and it's getting worse.  We have had the lowest number of active listings at the end of 2021 that has ever been recorded. Looking at this month, January, compared to a year ago. We are down 4.5% in active listings from 2021. Down over 15% in supply from last month. The monthly average sales price per square foot is $267.31. That's up 28% from last January and just over 1% from last month. Our monthly median sales price sits at $425,000. Last year, at this time, it was $332,000. That's up 28%. To those that continue to think the market is cooling off, the real world data does not agree.  The housing market heated up in the last 10 weeks of 2021 and starts 2022 with a huge excess of demand over supply. This is not because of colossal demand.  It is because of the unusually low supply. We normally see a strong flow of new listings in January while buyers tend to stay quiet until February. It's too early to tell if that will occur in 2022.  It did NOT occur in 2021 and this was a striking reminder that the market was abnormal.  In the next 4 weeks we will find out if the market remains in an abnormal state. Prices continued to advance during December, more than 1% higher over the month. It would be surprising if we don't see at least a 3% increase over the next 3 months.  The Cromford report says its money woul be on a move in excess of this, but nobody knows for sure what the future will bring, and the market continues to spring surprises on everyone.    HERE WE GROW AGAIN!   (26:30)Here's why 300,000 more people may be moving to Buckeye https://azbigmedia.com/business/heres-why-300000-more-people-may-be-moving-to-buckeye/   (30:55)  Glendale hires architecture firm to revamp arena that will no longer be 'hockey venue.  https://www.bizjournals.com/phoenix/news/2022/01/10/glendale-hires-architecture-firm-to-revamp-arena.html   (28:27) Appraisals   (40:45) What does a title company do?   IF YOU WANT TO REACH OUT TO US:   Diane Brennan  Diane@ThatRealEstateShow.Com 602-620-2277     Ashleigh Herman  ashleigh.f.herman24@gmail.com 480-532-3140   Justin Volpone jvolpone@bayeq.com 702-541-0653 

Diane Brennan with Coldwell Banker Realty invites Ashleigh Herman with Realty One Group back to the show! Diane talks about going to see the premiere of the new Kurt Warner movie, American Underdog: The Kurt Warner Story. She shares a cool story about Kurt saving the day for her back during her time in sports radio. Tom Ross with Bay Equity Home Loans joins the conversation and he and Brian the producer talk about the Christmas gift buying that went horribly wrong, and Ashleigh and Diane talk about the worst gifts they've received. Diane talks about an unfortunate experience she had with a listing recently. Tom talks about markets and how they anticipated a bit of a slow down because of the holidays but it has picked back up! Danielle shares a fun thing to do in the Valley with country swing dance lessons at Whiskey Rose! Get more details at WhiskeyRose.com or visit their Facebook page here. She also talks about a volunteer opportunity called Cultivate Goodness. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Tom Ross is the Producing Branch Manager, NMLS ID 179446; Bay Equity, LLC, NMLS ID 76988 His office is located at 5635 E. Thomas Road, Office 13 Phoenix, AZ 85018 Learn more about Justin Volpone here. "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here. To reach Tina Tamboer with the Cromford Report: CromfordReport.com Michael Land provides the theme music for the show! For more information and show dates visit MichaelLandMusic.com.

The crew welcomes Ashleigh Herman with Realty One Group to the show! She joins Diane Brennan with Coldwell Banker Realty and talk about the Verrado area and their relationship in real estate.  They also discuss inflation, and Tom Ross with Bay Equity talks about how it will affect the market (and not the hype about a bubble). Diane shares a cool place that she tells all her friends about that offer really unique furniture pieces for reasonable prices called Delaney's Auction! Diane asks about the heavy influx of Californians and things they need to know about living in Arizona! Listen and tell your "Cali" friends about some of these tips :) Tom Ross dives much deeper and provides some fascinating perspective on what the real costs are of sitting on the sidelines in this market. Diva Danielle talks about a fun thing to do on New Year's Eve at From the Rooftop! It's atop the Cambria Hotel in downtown Phoenix and it features some amazing 360 degree views of the city. Visit FTRooftop.com for more information. She also talks about a volunteer opportunity with Giving Group AZ, which offers a chance to choose from one of four incredible stories from charities in the Valley, one of which will be awarded $10,000! Brian Yampolsky heads the organizations efforts. For more information about this visit their website TGGAZ.org, or their Facebook page here. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Tom Ross is the Producing Branch Manager, NMLS ID 179446; Bay Equity, LLC, NMLS ID 76988 His office is located at 5635 E. Thomas Road, Office 13 Phoenix, AZ 85018 Learn more about Justin Volpone here. "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here. To reach Tina Tamboer with the Cromford Report: CromfordReport.com Michael Land provides the theme music for the show! For more information and show dates visit MichaelLandMusic.com.

Today we celebrate Justin Volpone with Bay Equity Home Loans in studio! Justin is part of the wonderful team at Bay Equity and we discuss his very interesting relationship status, couples therapy, and more! Diane Brennan with Coldwell Banker Realty discusses the latest in the state of real estate, and Justin talks about the misconceptions about people thinking that this market is due for a crash, and how "not having time" shouldn't be a tremendous factor in getting pre-qualified. Diane talks about 10 NEW restaurants in the Valley that you should know about, and a story about a MAJOR expense she put out only to get a delivery that might be a scam. It's a frustrating story.  Do you want to spend Christmas in the Home Alone house? There is an option for that on AirBnB! Find out all about it on today's episode. Diva talks about a volunteer opportunity with United Food Bank. They need volunteers, and you can get more info at UnitedFoodBank.org. She also talks about a fun thing to do that includes live music at the Rhythm Room and their Annual Christmas Eve Blues Bash! Click here for more details. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Tom Ross is the Producing Branch Manager, NMLS ID 179446; Bay Equity, LLC, NMLS ID 76988 His office is located at 5635 E. Thomas Road, Office 13 Phoenix, AZ 85018 Learn more about Justin Volpone here. "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here. To reach Tina Tamboer with the Cromford Report: CromfordReport.com Michael Land provides the theme music for the show! For more information and show dates visit MichaelLandMusic.com.

Today we focus on getting consistent, GREAT nights of sleep! Dr. Saman Rezaie, owner of Blocks of Health sits down with us and talks about not only the importance of a good nights' sleep, but his treatment of Diane during her bout with COVID, and the importance of nicotinamide adenine dinucleotide (NAD).  Tom Ross with Bay Equity Home Loans talks about the state of the markets, the Fed and rates (including what to expect), who is and isn't refinancing at the present time, and what the latest COVID variant might have done to affect rates. Diane Brennan with Coldwell Banker Realty talks with Dr. Rezaie and the group about what she was dealing with during her COVID experience and how profoundly different Blocks of Health treats their patients.  Diva talks about a fun thing to do at Santan Flats, including live country music, BBQ, and a fire pit in a cool outdoor setting. Visit SanTanFlat.com for more information. She also talks about a volunteer opportunity with Two Pups Wellness Fund. Visit them at TwoPups.org or visit them on Facebook or Instagram to learn more. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Tom Ross is the Producing Branch Manager, NMLS ID 179446; Bay Equity, LLC, NMLS ID 76988 His office is located at 5635 E. Thomas Road, Office 13 Phoenix, AZ 85018 "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here. To reach Tina Tamboer with the Cromford Report: CromfordReport.com Michael Land provides the theme music for the show! For more information and show dates visit MichaelLandMusic.com.

We sit down with Marc Frieslinger with Doubletree Home Inspections and talk about tips for what to look for in a home inspector, what Marc and his company looks for on home purchases, and some maintenance items you'll be glad you know about! Diane Brennan with Coldwell Banker Realty hosts and discusses some things she learned on TikTok including seven classic design trends, a "Buy NOTHING" movement on Facebook, and more! Tom Ross with Bay Equity Home Loans talks with Diane about their addiction to Apple and how much Apple makes in the time it takes to read this sentence.... "Diva" Danielle talks about a fun thing to do at the APS Electric Light Parade and a volunteer opportunity with Nourish Phoenix, which helps people with food, clothing and jobs! For more information about Marc and his home inspection company, visit DoubleTreeInspections.com. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Tom Ross is the Producing Branch Manager, NMLS ID 179446; Bay Equity, LLC, NMLS ID 76988 His office is located at 5635 E. Thomas Road, Office 13 Phoenix, AZ 85018 "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here. To reach Tina Tamboer with the Cromford Report: CromfordReport.com Michael Land provides the theme music for the show! For more information and show dates visit MichaelLandMusic.com.

We talk about a very strange experience that Diane hasn't seen in all her years in real estate. She and Diva found a frustrating experience last Friday night with a place required a vaccination card to get in. It was strange to see that in Arizona! They'll talk about where it was and the dilemma we were faced with. Diane Brennan with Coldwell Banker Realty shares things she learned on TikTok including in the world of design (is Burlwood back?) Check out our Instagram for a cool video of Burlwood if you're unfamiliar by clicking here. We'll share some Costco secrets, talk about booze and how to avoid the harsh taste of some alcohols, and more! Tom Ross with Bay Equity Home Loans talks with Diane about the Market Report. We'll talk more about some misconceptions about the state of this market - Tina Tamboer's Cromford Report covers the reality of this.  We'll talk about new home closings being down 22% from a year ago due to shortages of material to complete them and/or the staff to do the work. (It's not because of lack of demand).  Re-sale homes were up 6.6% from last year. The overall median sales price is up 24% from October of 2020. It is at $422,500! Diva talks about a volunteer opportunity at St. Mary's Food Bank Operation TURKEY Drive, with the help of the Phoenix Police Department. Click here to visit their Facebook event page. Also, a fun thing to do at The Taste at San Tan Village. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Tom Ross is the Producing Branch Manager, NMLS ID 179446; Bay Equity, LLC, NMLS ID 76988 His office is located at 5635 E. Thomas Road, Office 13 Phoenix, AZ 85018 "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here. To reach Tina Tamboer with the Cromford Report: CromfordReport.com Michael Land provides the theme music for the show! For more information and show dates visit MichaelLandMusic.com.

We've got a great episode for you! We are welcoming the wonderful appraiser, Jay Josephs from Josephs Appraisal Group.  Diane Brennan, a Realtor with Coldwell Banker Realty hosts and shares some things she learned on TikTok, including food safety, a way to "fake" a Ginger Ale flavor in a pinch, and you won't believe how many dollars per pound an NFL player could get fined for being overweight! Diane also shares a great article from CNBC written by Kathy and Ross Petras about phrases to avoid saying in order to project more confidence! Tom Ross with Bay Equity Home Loans joins in with Diane and Jay on the appraisal process. With Jay's expertise combined we provide a very informative look at what is and isn't important during an appraisal, what is worth spending money on and what isn't, plus interesting approaches to appraisals popping up. This segment can be a huge money saver! Some great tips. "Diva" Danielle, our social community director joins in and shares a great volunteer opportunity from Homeward Bound - helping families get into housing that are facing homelessness. She also shares a fun thing to do at the 10th Annual Wine Festival at The Cellar Wine & Tapas on November 21st. Resources and Links: To contact Jay call 602-955-4050, or visit his website at JAGInc.net. To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Tom Ross is the Producing Branch Manager, NMLS ID 179446; Bay Equity, LLC ID 76988 His office is located at 5635 East Thomas Road Office 13 Phoenix, AZ 85018 "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here. To reach Tina Tamboer with the Cromford Report: CromfordReport.com Michael Land provides the theme music for the show! For more information and show dates visit MichaelLandMusic.com.

Mike Rafii is a loan advisor and area sales manager for Bay Equity loans in San Diego.Mike stopped by to talk with Max about how technology is changing how the mortgage and real estate industry, but it will never replace the need for human connections and the importance of having a human to listen and connect with people.Mike truly loves his job and is passionate about serving others.  It is totally apparent in how he carries himself and how his eyes light up when he talks about his business.This episode has some great insights! Don't miss it!It's purposeful, it's passionate, and it's WHAT'S NEXT!

Diane Brennan with Coldwell Banker Realty and host of the show starts with a crazy story about a home she was trying to show the client, she talks about a really cool thing to know about in demand items at Costco and how to avoid the line. Diva tells a very funny story about an item she found at Goodwill that involved our friend of the show, Jen the Builder! She also shares a fun thing to do in the Valley at the Italian Pizza & Wine Festival. It's going on this Saturday, November 6th but happens every year here! Get more information at ItalianAssociation.org. Also there is a volunteer opportunity and a call to action from several charities who need help finding people to help. Free Food Friday helps with sober living for women -  for more information visit BrendaCombs.com. Tom Ross with Bay Equity Home Loans discusses the state of the markets and jumps in on a topic that we are all facing - inflation. Tom breaks down what is typical, explains what it is, and gives everyone a comparison to what we are seeing today and what we saw in the 70's and how different they are. Other Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Tom Ross is the Producing Branch Manager, NMLS ID 179446; Bay Equity, LLC ID 76988 His office is located at 5635 East Thomas Road Office 13 Phoenix, AZ 85018 "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here. To reach Tina Tamboer with the Cromford Report: CromfordReport.com Michael Land provides the theme music for the show! For more information and show dates visit MichaelLandMusic.com.

Diane Brennan with Coldwell Banker Realty talks with Tom and Diva about the state of the real estate markets, and Tom Ross with Bay Equity jumps into some important points about inflation, refinancing, costs of materials and labor, and it's affect on debt. They talk about debt consolidation as part of a refinance structure, and Diane covers some really cool alternatives for shops to go to! Here are some examples; Instead of Restoration Hardware - try Four Hands Century as an alternative to Pottery Barn Not Ballard Designs but Uttermost They talk more trends for 2022, a cool invention from 3M that you need to hear about, and more! Diva talks about a fun thing to do at the Mesa Halloween Block Party (apparently there are some haunted sites?), and an incredible volunteer opportunity with Control Alt Delete - they help men, women, seniors and children suffering from domestic abuse. Click the link above or visit DVControlAltDelete.org for more information. Other Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 To reach Tina Tamboer with the Cromford Report: CromfordReport.com "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

A very special episode where we feature one of the kindest and coolest non-profits and ask the founder to sit down with us!  Diane Brennan with Coldwell Banker Realty jumps right into some news about why she wasn't able to host the last episode. She talks about getting COVID despite having had her vaccination, and the craziness that followed.  "Diva" Danielle Williams, our Social Community Director jumps in with her response - buying an AIR FRYER! The group talks about how amazing their cooking experiences are and share some fun facts about recipes they like. Diane congratulates Gene Moore & Chris Vance on their new purchase and their participation in the great program that Diane and Tom Ross with Bay Equity Home Loans provides in the Unsung Heroes Program. Diane shares some things she learned on TikTok, including a special trick with lemons, she shares some more information on color styles that are in and out for 2022. Diane and Tom talk about a certain company that is getting OUT of the home buying and selling game, and why that is happening. The special guest of the show is Jennifer Cooper, founder of the Love Society, whose organization helps several groups in need, including children in foster care, women's shelters, children's hospitals, and more! Having her in studio is a treat, as she explains events that led her from being an art teacher to this calling. They focus on providing gifts and activities to engage with these groups in need and reach out in unique ways beyond a typical non profit.  Jennifer's organization is on Instagram @LoveSocietyAZ, and you can find her website at LoveSocietyAZ.com. They also have an Amazon wish list for their Foster Care drive you can find here! Other Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 To reach Tina Tamboer with the Cromford Report: CromfordReport.com "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

Diane Brennan, a Realtor with Coldwell Banker Realty and Tom Ross with Bay Equity Home Loans jump in with talk about Diane's experiences the previous week in Vermont. She shared a funny story about the transportation they ended up with, and more funny stories.  Diva Danielle and Diane shared a story about the people they meet on planes and other public places - with very different experiences! Diane talked about a crazy situation at DC Ranch with Sissoo trees and the millions of dollars in damage that have resulted. Brian, the producer of the show, shares a personal story of a Sissoo tree in his yard. Diane and Tom talk about the state of the real estate market with metrics delivered as always thanks to the Cromford Report, and Diane talks about a huge expansion by Intel in Chandler and several other new companies bringing high tech jobs to the Valley. With October being Breast Cancer Awareness month, Danielle talks about a volunteer opportunity with Impact One Breast Cancer Foundation. They need items to help fill their HOPE boxes along with volunteers for an upcoming event on Oct 17th. Visit ImpactOne.pink for more details! She also talks about a fun thing to do in the Valley. At the Aunt Chilada's Squaw Peak location the offer Line Dancing & Live Music on Wednesdays. Visit their website for more details. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 To reach Tina Tamboer with the Cromford Report: CromfordReport.com "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

Diane Brennan with Coldwell Banker Realty and Tom Ross with Bay Equity Home Loans talk in depth about a real estate market that should be looked at with a different perspective. It is slowing down, but that should not be looked at as an alarm of things to come. We have experienced some unprecedented growth and the easing off of that does not necessarily mean that there are signs of trouble. Thanks of course to Tina Tamboer of the Cromford Report for a lot of the data included in the presentation! We'll dive into where things are changing, and what to expect in the near future regarding interest rates. The crew gets into some interesting things Diane learned on TikTok, including how to repair bendy carrots!  They also talk about Country Thunder, which is an annual event in Arizona that Diane and friends are going to attend! Diva Danielle talks about a fun thing to do at the Rockin' Taco Street Fest in Chandler. For more info go to RockinTacoAZ.com. She also talks about a volunteer opportunity with Apache Junction Communities on National Make a Difference Day. Click here for details. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 To reach Tina Tamboer with the Cromford Report: CromfordReport.com "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

On this episode we talk about a new spa in town, and how much we love massages, pedicures, and more. We talk about cash out refi's, desktop appraisals, and more. We also take a deep look at new builds. If you're looking for a place to live, we'll help you find out where the new builds are. We talk about the still heavy demand, but we'll help you find some spots in We'll talk about Meritage and Lansea breaking new ground and a new development in Vistancia. Tom Ross with Bay Equity Home Loans talks about appraisals, gives some helpful information regarding cash out refi's, and more. And is there going to be a new city in the middle of the desert? Diane Brennan talks about Telosa, a plan to have a city that intends to create a new global standard for urban living, expands human potential, and hopes to become a blueprint for future generations. Diva Danielle, our Social Community Director talks about a fun thing to do at the Roadrunner Restaurant & Saloon, featuring live music, bull rides, cowboys, and tasty food. Click here for more information. She also talks about a volunteer opportunity with the Red Cross. Click here to see volunteer opportunities. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 To reach Tina Tamboer with the Cromford Report: CromfordReport.com "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

It is exhausting keeping up with trends! So we looked to Designer Maria Killam who we love here on the show. Did you know the color grey has been out for over three years? What?!?! Designer Maria Killam says it was over even before the pandemic!! She says buying grey is over!! We'll talk about where grey is being used primarily, what's trending now, and some specific items and colors to buy to contrast it. She says the good news is that these tones will warm up all the grey you have!! We also talk to Comedienne August O'Neal! Wild, hilarious, and a fan of all of us. I talk to her and Diva about how they got started in comedy and we learn a lot about these two funny women. And you must hear the story about Scooby Doo getting in a fight - and why August is no longer in Hollywood! Such a funny story! Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 To reach Tina Tamboer with the Cromford Report: CromfordReport.com "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

Diane Brennan with Coldwell Banker Realty and the crew begin by discussing how strange it is in Arizona that the school year starts so early. They also talk about why redheads need more anesthesia when undergoing medical procedures, and the viral TikTok video where the wife throws things at her husband and he ALWAYS catches! Tom Ross with Bay Equity does a deep dive on credit scores. Such critical information you need to know! They talk about myths associated with credit scores, especially spread by on-air celebrities. Tom breaks down the ranges of scores and what it means for home buying potential, and how the percentage of credit used is a critical factor. "Diva" Danielle talks about a fun thing to do with the Concert Series at the Scottsdale Quarter and a volunteer opportunity with One in Ten - a non-profit that supports the LGBTQ Youth Community. Visit OneTen.org for more details. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 To reach Tina Tamboer with the Cromford Report: CromfordReport.com "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

Today Diane Brennan and friends cover a lot of interesting area. We mix it up and touch on a lot of important points, including a conversation that Diane had and wanted to share from Judy Lowe (real estate commissioner), the Wildcat Subdivision nightmares. Tom Ross with Bay Equity Home Loans jumps in and talks with Diane about some of the unintended consequences of this real estate rush. Diane talks about some examples of people getting duped because of the limited options they had while rushing to buy a house and foregoing an inspection. We talk about the Zoom lawsuit, and learn about "Zoom Bombing"; Diane breaks down the latest real estate supply levels thanks to the Cromford Report; and Tom hits some critical things to keep in mind regarding credit scores. "Diva" Danielle talks about a volunteer opportunity with United Food Bank. With school back in session they need help with food drives and volunteers at the center where she volunteers. Visit  https://www.unitedfoodbank.org. She also shares a fun thing to do - by taking a step back in time at a Speakeasy! You can cool off and sip nostalgic creative cocktails and taste the delights of lite bites in an adult atmosphere. Visit THE WHITE RABBIT in Gilbert for more details. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 To reach Tina Tamboer with the Cromford Report: CromfordReport.com "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

The eviction moratorium was ended effective July 2021 (although after we recorded the show we found out some of this might be changing). This is a potentially dangerous time for renters. We talk about the possible problems that may arise from this and resources for helping! We didn't get a chance to talk with Jessica Boehm from the Arizona Republic, but will hope to soon. She wrote this article about it. Somehow we talk about some interesting things we learned about swingers! Find out about certain color accents on houses and a particular kind of fruit that is showcased to let people know that they're a bit on the wild side! Thanks to the Cromford Report Tom Ross with Bay Equity and Diane will talk about the state of real estate in Arizona, as well as a slow increase in supply in certain areas and what to look for moving forward. Diva talks about the upcoming Scottsdale Sangria Festival! Check it out at Wasted Grain and click here for more information. She also talks about a volunteer opportunity with Junior Achievement of Arizona. With kids going back to school they need volunteers to teach a short series of educational lessons that they will train you to do along with providing you the materials. Go to JAAZ.org for more details. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 To reach Tina Tamboer with the Cromford Report: CromfordReport.com "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

Should you list your house on AirBnB? How does it work and what are the downsides? Diane Brennan and Tina Tamboer dive deep into not only the basic questions, but the larger picture - including how it affects market demand and lots of things most people don't realize. Diane talks about her experience with a second home first as a rental property, and then later as listed on AirBnB. She talks about the small steps you can take to help make it an amazing experience for guests while keeping your costs low.  Tina and Diane share a story of a flying mattress, how corporate investors can create a lopsided or false demand for properties when listed on AirBnB, and much more! Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 To reach Tina Tamboer with the Cromford Report: CromfordReport.com "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

There are key things to keep in mind when working out a settlement during a divorce. We talk about getting a home warranty, getting inspections, and what to look out for when talking to realtors. We discussed a lot about divorce and real estate in episode 5, and you should check it out to get the full scope of things to consider. We talk to Dawn Ryan, who is a life coach who specializes in helping people cope with divorce and the entire process. She has a 12-week program that helps spell out how to analyze and work through the self-care process and how to prioritize things for your own well being. Tina Tamboer with the Cromford Report show goes in depth on quit claim deeds or disclaimer deeds. Tom Ross with Bay Equity joins in the conversation and talks about the important distinctions when it comes to community property states. Diane Brennan with Coldwell Banker Realty talks to Tom about at what point you can start the process of looking for a new home after a divorce, and also talks about the importance of having a conversation with your realtor and lender for help with YOUR specific divorce challenges. One critical part of choosing a home as a buyer (specifically after divorce) your realtor needs to help keep you grounded when you fall in love with a home! We'll talk about the 'Buyer Advisory' document, which is a great resource for learning a LOT about the neighborhood and even the type of insects in the area!  So much information in this episode. Share with a friend who is going through this difficult process alone. Resources and Links: Dawn Ryan's website and coaching resources are at DanceThru.com. You can find her on Instagram @DanceThru To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 To reach Tina Tamboer with the Cromford Report: CromfordReport.com "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

Jonathon Keenan and Courtney Crowder with Bay Equity Home Loans sit down with us and talk lending and what they love about their jobs! We'll talk about lending in general as well. We'll also talk about a Defend the Caveman segment and we're fully prepared to put the guys in studio on the spot. Talkin' junk! We talk TikTok videos and discuss the status of the continuing sellers market in real estate with Diane Brennan with Coldwell Banker Realty. Diva talks about a fun thing to do at the Chandler Center for the Arts. The free summer concert series is back and Notes from Neptune is performing. Go to ChandlerCenter.org for more details. She also talks about a volunteer opportunity at Heidi's Village. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

Alison Armstrong joins us for this special episode! She's spent decades helping women understand men and vice versa. She's an inspiration and she'll share some of the secrets to a healthier relationship. Diane Brennan with Coldwell Banker Realty sits down with Alison and discusses a few critical thoughts about communication and understanding; The single most important thing a woman can do to keep a relationship strong Daring to share early the thing that you think will make him run What makes a partner, a boyfriend, or a playmate! Why and how women emasculate men and what it means How to wait for an answer when you want to know what a man thinks Tips for how men can improve their communication with women The different stages of development that men go through in a relationship We'll hear from the men about how they feel about these things and Alison and Tom Ross with Bay Equity Home Loans talk about a specific scenario that dives into how to make women feel safe while communicating your true feelings. We'll talk real estate markets and how they are progressing over the summer, and "Diva" Danielle talks about two volunteer opportunities to hydrate the homeless with the Aris Foundation and Zuris Circle.  An incredible episode we hope you love as much as we do! Resources and Links: Links to AlisonArmstrong.com or her book Keys to the Kingdom To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

It's time for us to have some fun with Justin Volpone of Bay Equity Home Loans! A very informative episode where Diane Brennan of Coldwell Banker Realty and friends discuss things you need to know before or get ready for when taking out a loan. Justin runs us through the process and gives some tips that are essential to the process. We also dive a bit further into the world of "Chief" our technical director. You'll love this fun part of the conversation.  Diva Danielle, our Social Community Director talks about a fun thing to do with 4th of July celebrations around the Valley, including Schnepf Farms, in either Gilbert and Avondale. She also talks about a volunteer opportunity with the Aris Foundation, an organization that needs volunteers to serve food, help with handing out bags to the homeless... and they need people to Host Dinner in the park! Go to ArisFoundation.com for more details. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

Why realtors don't want to help you, low commissions, property management companies, and people with "Staffordshire Terriers". We'll talk PMI. It stands for Private Mortgage Insurance and we'll talk about what it is and how to get rid of it. Diane Brennan with Coldwell Banker Realty hosts and will tell you about the state of this crazy real estate market and how it's changing, and will give you a great tip for saving money on spas during the summer! HUGE NEWS from the Fed - they said they'll keep interest rates low (except for mortgages). Tom Ross with Bay Equity Home Loans looks at what's happening to inflation and how the Fed responding - and most importantly what that means for you! We'll talk about Scottsdale turning 70, and give you some free resources to learn more about activities there. Diva has a great resource for a fun thing to do in the valley with Roger Clyne and the Peacemakers. It is with Music in Flagstaff at the Orpheum Theater. and a volunteer opportunity with Lost Our Home Pet Rescue. They are in need of volunteers for early morning dog walks, admin work - and it's kitten season so they are in need of supplies for kittens! Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

We talk about the slight change in the real estate climate, we talk about a friend who was "ghosted" in a relationship and made the terrible mistake of drunk gifting! A little different than drunk dialing! We talk about the poor woman and the lessons learned. Things I learned On TikTok include that there is now a 5th ocean, Magic erasers that sell for $7 under the brand name Mr. Clean are actually melamine sponges that are 200 for $12 on Amazon, and much more. Tom Ross with Bay Equity talks about the misconceptions about what exactly constitutes a "late payment". He discusses inflation and how you need to understand it's impact on you.  Tom shares great tips you need to get your credit situation in order before buying a home! Diva Danielle talks about a fun thing to do at Pink Sedona Wine Tours and a volunteer opportunity with South Phoenix Gridiron Classic. They offer free training and instruction for freshman or senior football players. It helps them brush up on their skills for free and they are looking for nurses to volunteer! Call 602-730-1468. It's all happening the weekend of June 19th, 2021. Diane Brennan with Coldwell Banker Realty, Tom Ross with Bay Equity Home Loans, and "Diva" Danielle Williams break it all down in this week's episode. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.

Do you ever drive by your old house? No one prepares you for the emotional attachment. Like, when should you stop caring? Is it weird to drive by and yell: "Water!! The Oleanders need water!! It's taken me 11 years to build those up...and you don't even care?" We talk about that, we'll talk about this continuing sellers market, and each week Diva Danielle tells us about a volunteer opportunity in the Valley for you and a fun thing to do. This week the thing to do is the Sunset Summer Series, featuring concerts at the Royal Palms - Reggae, Latin Nights, Jazz Under the Stars, Blues Brews BBQs. Go to the RoyalPalmsHotel.com website for more information. She also talks about volunteering at NotMyKid nonprofit at NotMyKid.org. Diane Brennan with Coldwell Banker Realty, Tom Ross with Bay Equity Home Loans, and "Diva" Danielle Williams break it all down in this week's episode. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! Her Community Link AZ Facebook page is here.  

Diane and the crew talk about Tom's trip to Pebble Beach with his dad, and Danielle talks about a really great idea to have client picnics in the park! Everything from the dishes to the lace, Diva sets up wonderful picnics for others. It's really great and will work with menu options for breakfast or lunch.  They discuss candy and cravings for sweets in general, and how nobody understands how Danielle can only have one! It's not typical, and we find out who has a complete lack of control, who is a literal candy thief, and compare stories. Tom Ross with Bay Equity Home Loans talks about the need to talk to an expert before making assumptions about this market, and talks about how people get excited about the "home" part of the process (and understandably so) but wait, or don't prepare in advance with the lending portion of the process. Diane explores TikTok videos that were noteworthy, including kids who pronounce words in intentionally strange ways, how to remove a stump, and Chief talks about his kids' discovery of polyamory videos and why he and Tom both don't let their kids watch. "Diva" talks about a volunteer opportunity at The Assistance League of Phoenix. She also talks about a fun thing to do at  Comedy night Joe Rogan.  Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook!

Diane Brennan talks about her trip to Clear Sky Resorts - she went this weekend and has lots to share! The crew also sits down with Veronica Chavarria of Leidan Mitchell Hair Salon. We are talking HOT GIRL SUMMER! Veronica also gets into a discussion about where the hot men are in the Valley! "Diva" Danielle talks about a volunteer opportunity with Arizona Autism United, and a fun thing to do at Scottsdale Margarita Fest! Tom Ross with Bay Equity Home Loans talks about some real estate and mortgages as well! Resources and Links: Clear Sky Resorts - ClearSkyResorts.com Veronica Chavarria - Leidan Mitchell Hair Salon (view her LinkedIn Page here | Leidan Mitchell Salon here) To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook!

For the first time in history the monthly average price of a single-family home in Phoenix (the city as defined by the USPS) has exceeded $509,000. One year ago, the average was just over $390,000 (that's over a 30% increase!) Tom Ross with Bay Equity Home Loans discusses these stats with Diane Brennan with Coldwell Banker Realty and the value of that information and more, that the Cromford Report is so incredible delivering! Also, how much does an Airbnb in Kyrgyzstan cost? The crew discusses that, Handmaid's Tale, how to clean your sinks and cotton balls soaked in vinegar. Diva discusses a volunteer opportunity with United Food Bank and a fun thing to do at at West Alley BBQ. They have live music and BBQ in Chandler Silhouette. Also, one interesting footnote from The Cromford Report's Tina Tamboer - CoreLogic predicted that home prices across the USA would FALL by 6.6% between June 2020 and June 2021. Possibly the most inaccurate forecast in their history. Tina's suggestion: Don't take any 12 month home price forecast any more seriously than a 12 month weather forecast! Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook!

A makeup mishap, the "color" of your voice, and why the secret service can't cuff their pants! And if you go to Diane's Instagram page you can check out the video of a period cramp simulator! Also, Tom Ross with Bay Equity Home Loans talks about the state of the markets and percentages he is seeing with refinances. One of the features of the Cromford Report is the CMI Index. Tom goes into detail about what that means. Danielle was featured Arizona Health and Living Magazine! Diane and Danielle talk about that experience. And she celebrates her birthday! She turns 53, and looks nowhere NEAR her age. There is still time to get your tickets to her upcoming comedy appearance on May 21st and 22nd! Click here for tickets for only $10! "Diva" talks about a volunteer opportunity with Elevate MD. They  provide scholarships, mentoring, and support to medical students from African American, Latina and Native American backgrounds. She also talks about the Arizona Black Rodeo! A lot of fun going on Saturday, May 15th. Click here for all of the info. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook!

On today's episode we talk about some of the data we use each week from The Cromford Report, created and delivered to us by Tina Tamboer. Tom Ross with Bay Equity Home Loans explains the intent of the report, what critical details it gives us, and goes through what benefit it has for agents and buyers alike. We talk about our friend Jen the Builder, and talk about supply. She talked about growing West in this Valley, and some current challenges with labor to build new homes. We cover the progress and direction of growth, and talk about some neighborhoods in progress and how it might shape up. Tom talks about the affordability of housing and the relatively positive balance of value for cost.  "Diva" Danielle talks about a fun thing to do at High Street - that have two events May 8th & 9th; the Street Taco & Margarita Festival and the Sangria & Jazz Festival She also talks about a volunteer opportunity with Free Arts AZ - helps with abused children dealing with trauma. Click here for more information. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook!

On today's episode special guest, Victoria Thompson, founder of we Steel Rise - her non profit helps Veteran women who have been incarcerated get back on their feet. Diane Brennan with Coldwell Banker Realty first congratulates the Rogers family; Michelle, Adam & Lily. They did get their offer accepted on a beautiful piece of property in Cave Creek, walking distance to all the great restaurants and bars and Frontier Town, amazing. They're going to remodel and we can't wait to follow their journey and see what they do with the place. We continue to talk about our love of TikTok, we talk about this seller's market and some amazing stories to go with it. We dive a bit deeper and talk make up and skin care! "Diva" Danielle talks in depth with our guest this week; Victoria Thompson Founder of We Steel Rise - helps Veteran Women who have been incarcerated get back on their feet. Visit their site by clicking above or click here for their Facebook page. You can also go straight to the volunteer signup here. She also talks about a fun thing to do with Out Wickenburg Way Music & Food Truck Fest.  Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook!

We jump in fast and furious right at the start of the show! A lot of times some great moments and conversations accidentally happen before we start recording. We decide to jump into a fun poll that we started to discuss, then paused for the show. Best dad in a 90's sitcom is one of the topics covered. We talk to "Diva" about a standup act coming up for her at the Desert Rose in Glendale on May 21st! Click here for tickets! We jump into a quick conversation about the continued craziness in the markets. We talk about a veteran that Diane Brennan represented, the unbelievable offers he received, and the gang talks about how great the experience having Diane can be for a buyer or seller! It's fun to talk about Diane's determination for clients.. The crew raves about Chief's wife Sam and the bread she baked for them. Danielle is ready to shell out big bucks for more.. We get into the social dynamic involved with couples and meet and greets in a party setting. We talk about Tom's memory and how he handles it, and Chief talks about how he and Sam work out those same details. Tom Ross with Bay Equity talks about mortgages the markets, and has a frank discussion about cash out refinancing. The benefits from this discussion are tremendous and you don't want to miss it! "Diva" Danielle talks about a volunteer opportunity at Devereux Advanced Behavioral Health Arizona and a fun thing for the ladies to do with the The Bulleit Bourbon Derby Day Club at Turf Paradise.  Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook!  

In this episode of the Fun Money Podcast we talk again with Russell Dobbs from Bay Equity, LLC about jumbo loans, investment properties, and second homes.  We hope you'll enjoy this episode and subscribe to automatically receive future episodes.For more information about Minuteman Disaster Response visit https://www.minutemanresponse.org/   To connect with Russell visit https://bayequityhomeloans.com/russell-dobbs/ To connect with Josh visit https://www.insightwp.com/team/josh-hargrove To connect with Ross visit https://www.insightwp.com/team/ross-powell  Currently Listening: Greta Van Fleet https://open.spotify.com/playlist/37i9dQZF1DX2gkM3MFvT6n   Freakonomics Podcast https://freakonomics.com/podcast/roundabouts/  The Fan https://www.audacy.com/1053thefan/listen

Today, Diane Brennan starts off by apologizing for last week's episode. The timing of a deal falling out and something that happened with an ex. Danielle and Chief tell her that her show was great.  Diane tells about The Commitment Phobe by Emily Wilcox, a book she talked about last week. To her point about thinking the show was bad, she said she didn't do it justice. She took the opportunity to tell a bit more about it. Diane talks about a procedure that she had done by Dr. Stefanie Kuerschner that causes increased collagen production in your hands. Check that out on her Instagram page here. The state of the real estate market is covered as well, and as the team welcomes back Tom from his absence last week, he gets into how it continues to be a sellers market. Diane talks about a cool event and thing to do at the Rage Room in Tempe. You can smash stuff and blow off some steam! "Diva" Danielle, social community director talks about volunteering with Big Brothers Big Sisters, and a fun thing to do at the Scottsdale Jazz Festival at Hotel Valley Ho. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018  "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook!

In this episode of the Fun Money Podcast we talk with Russell Dobbs from Bay Equity, LLC about mortgages, rates, and how to use this information to make good decisions.  We hope you'll enjoy this episode and subscribe to automatically receive future episodes.  To connect with Russell visit https://bayequityhomeloans.com/russell-dobbs/ To connect with Josh visit https://www.insightwp.com/team/josh-hargrove To connect with Ross visit https://www.insightwp.com/team/ross-powell  Currently Listening: 90's Christian Music https://open.spotify.com/playlist/37i9dQZF1DWZnA0FshBt4S  90's R&B https://open.spotify.com/playlist/37i9dQZF1DX6VDO8a6cQME Chris Stapleton https://open.spotify.com/playlist/37i9dQZF1DWUHusEBYZKl4 

On today's episode, Tom Ross is off this week, so Diane and Danielle have a "women only" show!  Diane Brennan with Coldwell Banker Realty will talk about some direct responses to some of the myths out there about this market being in some kind of "bubble". The myths couldn't be more false.  Some of the Myths About the Arizona Housing Market Today’s mini-boom cannot be sustained Few people foresaw the housing market crash 15 years ago that ignited a worldwide recession Fueled by low interest rates, loose mortgage lending standards, and the nation's unshakeable faith in home ownership, home values rose at record rates year after year We love the Cromford Report and they break apart these myths with some facts YOU need to hear about! We also dive into some other fun topics. We discuss health, including some important facts about Vitamin D. Diane talks about a talk given by a doctor with expertise in immunology and virology. They also discuss a few really great books to read about relationships including; How to Survive the Loss of a Love The Commitment Phobe - Emily Wilcox Anything by Steven Carter and Julia Sokol "Diva" Danielle, our social community director talks about a great volunteer opportunity with The Reveille Foundation, and a fun thing to do with Tiny Homes Street of Dreams. Check out their upcoming event on April 30th, called Tiny Homes at the Home & Garden Show at WestWorld of Scottsdale. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook!

On this episode, Diane Brennan of Coldwell Banker Realty talks about some unfortunate things she saw from a selling agent in Chandler. Dirty houses, and more! Why don't agents help coach their clients? Even in this market some of the basics get overlooked. The crew also discusses a very important thing; guys, are you standing up or sitting down when you pee? Diane discusses the responsibilities for each person about cleaning the bathroom as well. Tom Ross with Bay Equity Home Loans talks about the state of Arizona real estate with Diane, and she breaks down the numbers. Tom talks about first generation home buyers coming into the market, and how we have a supply problem, with a slight cooling of demand. Looks like we're in a stable position for the foreseeable future. "Diva" Danielle talks about a fun thing to do with Country at The Creek, featuring three days of live music outdoors in the beautiful heart of Arizona! (In-person event. GENERAL ADMISSION). She also talks about a new one that she hadn't heard of before but LOVED! Sun Health Foundation, who provide support for excellent patient care, landmark research initiatives and provide health and wellness programs. For more information go to SunHealth.org. They need help at their location in Sun City! Call them to ask about volunteer opportunities at 623-974-2000. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! And again, don't forget to vote by clicking here! Voting ends April 9th!

On this episode, Diane Brennan of Coldwell Banker Realty and Tom Ross with Bay Equity Home Loans talk about the problems with waiving an appraisal. Tom goes in depth about the pros and cons. They start with a story from Tom's date night with his wife, then talk about voting for Danielle in her nomination for Best TV Personality in AZ Central's Best of the Desert 2021. Click the link to vote! It only takes a moment and is sincerely appreciated. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook! And again, don't forget to vote by clicking here!

On this episode, Diane Brennan of Coldwell Banker Realty and Tom Ross with Bay Equity Home Loans work hard to dispel the continued hype that somehow this market will fall apart. NOT TRUE! They give some hard facts that will give you the myriad reasons why. Diane talks about Diva's special coming up this weekend where she is featured as a cancer survivor. She also shares some really funny stuff from TikTok - hilarious and helpful content! The gang talks to Chief (the producer) about his interview he did at the NASCAR race last week and Diane shares a special message with Tom on his return about his fill-in crew last week and how highly they think of him. Diane shares a funny story about a friend who chose a different realtor and what they wanted from Diane, and Danielle shares a fun thing to do at Country Fusion nights at Scootin Boots, and a really cool volunteer opportunity with Project Roots AZ, educating the community on growing their own foods. Resources and Links: To reach Diane: Facebook is /ThatRealEstateShow Instagram @myrealtordianebrennan Phone: 602-620-2277 To reach Tom: The Tom Ross Team at Bay Equity website By phone: 602-684-8200 Office is located at 5635 East Thomas Road, Office 13, Phoenix, AZ 85018 "Diva" Danielle Williams is @1AndOnlyDivaDanielle on Instagram and here on Facebook!

March 4th: LO, Ops, AE jobs; HELOC, efficiency, AMC, sales, VOE tools; podcast for LOs; jumbo & non-QM news https://www.robchrisman.com/ https://www.stratmorgroup.com/

Today we stumble into an interesting conversation about music and musicians, and it led to us finding out even more about Tom Ross and his history with his band. We talk groupies for a few minutes.  We also talk about the Super Bowl, and the incredible trajectory and success of Tom Brady. And last, before we get to the main topic we discuss Diva's current dating life.  We cover the state of the general real estate markets and talk about what we know about supply - the lowest it's ever been recorded. It beat a 2005 record. Demand and it's trend remains to be seen - but there are some very interesting stories about difficulty getting supplies for actual home building! Diane Brennan with Coldwell Banker Realty and Tom Ross with Bay Equity dive deeper on the analysis of the recent information from the Cromford Report. Tom shares some really helpful tips and shares an interesting story about a client he recently talked to that showed a pre-approval from a major lender that would have collapsed in escrow for sure. The bottom line: make sure you find someone who knows what they are doing! "Diva" Danielle Williams talks about a great volunteer opportunity with Live and Learn, which helps women break the cycle of generational poverty. Learn more at LiveAndLearnAZ.org. She also talks about a fun thing to do! Take a trip to Tucson for the Bike Taco tours! She'll share a cool chance to meet people, eat good tacos, take advantage of amazing sights and end up at local breweries. Visit  TucsonBikeTours.com/TACO.

On today's episode we briefly talk about our predictions for the Super Bowl this weekend, which devolves quickly into a conversation about whether Patrick Mahomes or Tom Brady is more attractive. We also talk about our love (or ambivalence) about sports, and Diane Brennan tells her favorite Tyrann Mathieu story. Tom Ross with Bay Equity and Diane Brennan with Coldwell Banker Realty talk about what kinds of email you read or ignore.  The main subject of the show talks about the state of the market, and then we go into detail about pool nightmares!  "Diva" Danielle Williams talks about a fun thing to do at the Royal Palms Resort! And a volunteer opportunity with Joshua Tree Feeding Program, which is a non-profit food pantry for the HIV/AIDS Community for Maricopa and Pinal Counties of AZ. Joshua Tree is set up as a store so our clients can pick and choose what they want to take home. No food is wasted.  For more information visit JFTP.org.

On today's pre-Christmas episode Diane Brennan with Coldwell Banker Realty sits down with Andi Schooler of Duell Financial Strategies to discuss why you MUST give a sh&^! about annuities!  We'll cover a bunch of topics as well, including some information from Tom Ross with Bay Equity about what you need to know before buying a house. "Diva" Danielle talks about the Bitter & Twisted Cocktail Parlour as a fun thing to do as well as a volunteer opportunity with Seeds for Autism. We want to wish you a very Merry Christmas! Thanks for being a part of our podcast universe!

On today's show we dive deep into why you should not use your builder's lender! But first.... Tom Ross with Bay Equity is back and his vacation to Hawaii with his wife was great and he'll tell us all about that! He said that it is unfortunate how hard Hawaii has been hit by the COVID economy and talks about it felt great to help participate. Diane Brennan with Coldwell Banker Realty dives into a topic that Tom missed bits and pieces of and recruits the help of the entire show to fill him in and talk more about the creepy foot massage text Diane received a couple of weeks ago. Everyone, including Courtney Crowder with Bay Equity gets into the conversation. Some really interesting and surprising info here! "Diva" talks about Hearts for the Homeless AZ and their event Christmas on the streets (links to the Amazon gift list is here if you want to contribute), and a DIY for the holidays - create your own festive Hot Cocoa Charcuterie Board!   

On today's episode, since Tom Ross is in Hawaii we got the chance to see a few of the other members of the Bay Equity team! Justin Volpone and Courtney Crowder join us and we had so much fun. I'm Diane Brennan with Coldwell Banker Realty and on our podcast we don't just buy and sell real estate, we help you connect and thrive in the community. We talk about what they focus on over at Bay Equity, and the state of the markets. We also talk about my mom's annual December call and the history of that (going back to my KTAR days). We'll also do our "Defend the Caveman" segment, and talk about an unbelievable text I received. I have long threatened to put the screenshot (showing their phone number) from some of these goofballs on my social media when they send things like this! Ladies, tell me what you think about this one. Courtney and Justin are going to break down dating for their generation, so Gen X'ers and Baby Boomers can understand. We'll dive into the market data with the Cromford Report to give you an update on how the Valley is doing. "Diva" talks about a fun thing to do in the Valley with Holiday Festivities in Mesa. Visit MerryMainSt.com. She'll also talk about the volunteer opportunity at Ready Set Go Foundation - their mission is to provide underserved, women, and veteran entrepreneurs with the tools to educate, empower, and execute business ownership! Visit them at ReadySetGoFoundation.com.  

On our 50th episode, Diane Brennan is back! Danielle and Tom discuss the week previous and how they fared while Diane was out.  On today's show we'll talk about lending with Tom Ross, and we talked about 'Defend the Caveman' segment and our video promo producer made a judgement call and used a bit of a crude meme at the end of the promo we used a couple of weeks ago. We'll review and decide what the crew thinks, plus talk about some other crude behavior. We'll talk about the state of the market (it's great news) and the direction the markets are going. Tom Ross with Bay Equity will go into the psychology for potential buyers and borrowers with all of the interesting market conditions. "Diva" Danielle will talk about a fun thing to do at Schnepf Farms and their Holiday on the Farm event! Click here for the event details on Facebook. The charitable event is with Phoenix World Art Collective Turkey Drive. It's a great cause and you can get more information at PHXWorldArts.org. Simple Learning LLC an individualized approach to learning differently. Our guest Tina Kramer talks about creating a learning curriculum for kids. She talks about how she worked first hand in kids education overseas and saw some distinctions with how kids were being taught, as well as how she felt she could help. Starting Simple Learning was how she got started. To get more information, you can reach Tina at 812-614-7614 or go to her website at SimpleLearningEDU.com  

This year, The Hate Journals Podcast and Bay Equity are teaming up together to feed five families for […]

On today's episode we have a bit of fun while Diane is away for the week! We will talk about a lot of interesting things, including; Cheesy pick up lines! We'll talk with Tom Ross of Bay Equity, who frankly can hardly remember the lines because they were so long ago, but he has a real shocker he heard back in his days he was single and in a band. "Chief" the producer has a couple of very funny and straightforward lines he delivered as well. We talk about how life has gotten back to a less crazy level since the election is over, and we talk about the late Alex Trebec, who passed away recently after a long fight against Pancreatic cancer. Danielle talks with Tom about a really interesting thought about people's approach and decision to buy in the Phoenix market, considering the population growth and amazing real estate market. Danielle also talks about the Aris Foundation and Lost Ones Found. They need your help. They meet each week on Tuesdays and Tempe and would love some specific clothing and miscellaneous item donations. They focus on helping those less fortunate and homeless. Go to ArisFoundation.com for more details. If you like to sip wine and paint, the Painter's Lounge in the downtown Phoenix art district is for you! Sign up online to take the classes or stream the classes online. Visit ThePaintersLounge.com for details.

In this episode we sort of jump into a conversation that started off air! I kind of intended it to be that way, but we had to cover it. It has to do with opinions about what makes certain guys feel that they can approach certain types of women with much closer to "inappropriate" conversation than others. In the "Defend the Caveman" segment, we'll talk about one word Danielle received by text. "MEOW"! It's an off an on text from a guy and we will poll our guys and see what they think. Tom Ross with Bay Equity and I will talk about the increase in the properties added in ARMLS in October - up over 66% over last year! It's incredible. And if you are under the impression that this is flooding the market - most of all of those are already under contract. We discuss some crazy trends in today's markets with thanks to Tina Tamboer and the Cromford Report for the data. "Diva" talks about a fun thing to do. JAZZ Under the Stars is back at the NASH. She also talks about a volunteer opportunity with A New Leaf. Last year they served 26,973 individuals and homeless and domestic violence shelters with services, affordable housing solutions, youth services, foster care, counseling, financial literacy, neighborhood economic development, workforce support, and community services. Check them out by clicking here.

On this episode we dive into talk about sex (or the lack there of) and supporting each other as we ladies get older. We'll take a bit of a deeper dive with Tom Ross of Bay Equity to talk about some of the questions and problems he's been getting the past week about the lending process, and how long interest rates are expected to stay low. "Diva" Danielle will tell us about a cool thing to do in Tempe on Sunday, and an incredible volunteer opportunity with Impact One, a breast cancer foundation in the Valley. We also have an open discussion about what agents and lenders could be doing better!

Today's episode is all about fresh starts. We talk about the Fresh Start Women's Foundation! Our discussion includes a couple of things to keep in mind when dealing with clients! Courtney Crowder with Bay Equity is on the show to talk about Domestic Violence Awareness Month this month. She's a board member of Fresh Start, an organization that helps women who are taking small steps toward a new career to making big life changes. We'll talk about "unsolicited pics" (I think you women know what I mean) in our "Defend the Caveman" segment and we'll also discuss how Agents make the real estate deals harder - I have stories. "Diva" will also discuss a fun thing to do - at Shooter's World!

In this episode we're covering a very scary thing in Arizona real estate that most people don't know about! Trenton Edward and his wife Gretchen with The Bid Group will talk about third party debt collectors who have bought up charged off debt for very low cost. Many of these homeowners first find out by receiving a notice that their home is being put up for auction! We'll talk all about that. You can reach Trenton at 480-828-2005 or trentonedward78@gmail.com. I'm joined of course by Tom Ross with Bay Equity who joins the discussion and talks about some of the nuances about how this is happening, to whom, and why.  "Diva" Danielle talks about Arizona State Fair Concerts IN YOUR CAR! Really interesting concept, and you can find out more at ConcertsInYourCar.com/Arizona. She also talks about Jacey's Gold Project, which feeds and vaccinates pets of the homeless. It was started by a young entrepreneur when she was 15. Click here for more information.

On this episode we talk about our experiences with sports celebrities (and others, like the late Eddie Van Halen). Diane shares her story, and Danielle shares her experiences with a sports figure she didn't know was famous. We share our experiences and have some laughs. Tom Ross with Bay Equity and I get into concerns about panic about real estate prices dropping.  "Diva" Danielle talks about GenuWine Arizona, a fun thing to do in the Valley. They're open and encouraging people to stop over at Roosevelt and Central. It's close to the light rail, and is a revitalized area. They have a special with a bottle of wine and some cheeses for only $20. For more information go to GenuWineArizona.com. She also talks about a volunteer opportunity called Women 4 Women Tempe - They provide feminine hygiene product for women in their area. They have brown bags that they distribute to the homeless. They are an all volunteer organization and would love your help! Visit Women4WomenTempe.org, where you can visit their wish list and volunteer.  

On today's episode we focus on lending, but more importantly, empowering single moms! We don't just help you buy or sell a home - we help you thrive in your community! Today we'll dive into some interesting details when you're working on the lending part of the home buying process, and Tom Ross with Bay Equity will talk to Courtney Crowder, part of the Bay Equity team. Tom Ross can't say enough good things about her, and in today's show we sit down with her and get her take on some of these important topics. "Diva" Danielle will tell us about an amazing volunteer opportunity with the  Phoenix Rescue Mission, that describes themselves as a place of hope, healing, and new beginnings for men, women, and children in our community struggling with homelessness, addiction, and trauma. They have a food pantry on 35th Avenue south of Buckeye and their food bank is on 35th Avenue and Luke. They are in need of volunteers, and you can sign up online at PhoenixRescueMission.org. Danielle's fun thing to do is at JP's Comedy Club in Gilbert! You can also check them out and their events on Facebook by clicking here.

Today we dive into our program for unsung heroes. I'll start by telling a nightmare date for one of my friends, and get Tom Ross and our producer Jason's assessment of the situation - it's pretty funny. Tom Ross with Bay Equity and I are part of an Unsung heroes program. It's not just your typical "slight" discount for service members. Tom and I will discuss how it works and who is covered. Another aspect of this is that we also cover 911 operators, who are largely overlooked with typical programs like these. Tom will also talk a bit further in depth about the following; A general overview of lending Problems he's seeing in the marketplace Mistakes borrowers should avoid "Diva" Danielle talks about the Modern Instrument Museum (MIM) and what you can do there, and talks about a volunteer opportunity called "Days for Girls". For more information visit DaysForGirls.org.

The problem with job displacement in the new world of COVID-19 is very real, and very hard on families. Women, if you're displaced from your job or find yourself having to scramble and switch gears in your career, this episode is for you! I'll talk about having to pivot with jobs, how you can plan with a revised resume (and what to expect with "key words" in it), how interviews have changed and MUCH more! We will sit down with Lasetta Hogans, Executive Director of the Phoenix Business and Workforce Development Board for her professional guidance as well. If you would like more information you can email her directly at LasettaJoi@gmail.com. Tom Ross with Bay Equity will talk about how you can get a loan even if you're single and self-employed! A lot has changed. "Diva" Danielle, our Social Community Director will talk about hot air balloon rides and champagne breakfasts with Arizona Balloon Safaris! She'll also talk about supporting an important Cancer Support Community with CSC AZ. More information from them at https://cscaz.org.  

In this episode we talk about my wonderful friend and our social community director, "Diva" Danielle Williams, and the fight for her life. Danielle has stage four lung cancer, and she shares how she found out about it, what she is doing to fight it, and how you can help. This story is amazing - and I think you'll find her positivity inspirational. To support her in this fight, we ask that you go to her  GoFundMe page here. We talk about this hot real estate market and those signs you see around town that talks about selling your house in 72 hours. If it takes that long in this market...you might be doing something wrong! I'll talk to Tom Ross with Bay Equity about lending and an interesting thing that happened with the Cromford Report's correcting of a national report. We talk about seeing Danielle do standup (she's an awesome comedian, by the way) and she'll share a wine tour in Sedona that you don't want to miss, and the Aris foundation is the volunteer opportunity of the week. The specialize in providing meals for 150 people each week, in the form of grab and go meals. It's easy and a fun thing for you and maybe your community to get involved in! For more information call Katherine at 480-241-4354 or arisfoundation.com.

In this episode we finally have Tom Ross with Bay Equity back in studio! He'll tell us about Carmel, California, and we'll see if he can handle all the pressure of being around all of us women again!  He and I will talk about the real estate market, and specifically the performance of the greater Phoenix area. We'll talk about the monthly average sale price per square foot, why it's up, and what it means. I talk about Sedona, my Achilles heel injury, and the HCG diet. "Diva" Danielle talks about Sedona Air Tours, and we all talk about some incredible (and frightening) experiences in a helicopter. We learn that it's not for everyone, especially our in studio guest!  Maureen Dorman is with Dress for Success - they are a wonderful organization that helps serve women looking for work by providing them business appropriate attire in a competitive job market. We'll talk about who they serve, what you can donate, and ways you can help. Danielle is performing Wednesday night, August 5th, at the House of Comedy. Visit their website for more details!

Today we dispel a mistaken assumption that the real estate market is crashing. We are in the trenches and have the Cromford Report data on our side that tells us a very different story. We'll dive into that and we believe you'll agree - it's a seller's market and there are lots of opportunities in this market! Tom Ross with Bay Equity dives further into it as we go into determining mortgage payments, and why mortgage calculators might not be a good idea compared to asking your lender specifically. There are some factors that a lot of calculators just don't have. We also talk about appraisers and some of the challenges when dealing with big banks that use appraisal methods that are less than honorable. I'll share an example of an appraiser that gave an estimate because he "used to live near there in college".  "Diva" Danielle, our community director tells us about several farmer's markets that have opened back up, where they're at, and when they're open! She also shares the volunteer opportunity of the week and details about NoAbuse.org. It's a wonderful organization in need of help! We'll also talk about skin care - and we're going to chat with Stephanie Kuershner- an RN with Summit Aesthetics here in the Valley. Stephanie is a wealth of knowledge and demonstrates some specific misconceptions about UV rays and skin cancer, talks about Botox, and several other procedures, as well as a deeper dive into applying products, removing products, and more!

What a fun episode we have for you!! The regular cast of characters is here, but we got to sit down with some former NFL players and talk about body recovery and self-care. Jude Adjei-Barimah and Gabe Martin with Pro Recovery Zone at the Biltmore Fashion Park are in studio with us today! Ladies we’re going to learn why what you do after exercise may be just as (if not more) important than your workouts. Danielle and I did a body restoration experience last week and we must talk about it! Everything from calorie burning, fast healing, and several modalities that they focus on are part of the conversation.  We talk to Tom Ross with Bay Equity about working with certain banks and how they approach Arizona when they are out of state.  I'll talk about the City of Chandler, and besides a fun bit of historical trivia about the city, we'll give you some data from the Cromford Report that talks about home prices there. "Diva" Danielle will talk about horseback riding as a fun activity to do, and a wonderful volunteer organization called Zuri's Circle that helps families, homeless, and seniors!

I’m your host Diane Brennan – Realtor with Coldwell Banker, and on today's episode we're NOT going to have the pleasure of having Tom Ross of Bay Equity in the studio. He is lost somewhere on a big adventure in the Northern California wilderness. He wanted to give me some wild, exciting excuse like that (actually, he’s really visiting his 92 year old uncle and has no reception to call or use his computer, but don’t tell him i told you that). So while he is risking his life….we continue on….in his honor hoping and praying that brave man is safe…wrestling lions and tigers and bears in the redwoods of Big Sur. "Diva" Danielle will tell us about an amazing spot in Prescott to get away from this heat, and an amazing foster and adopt organization for cats and dogs you'll want to hear about! I'm going to dive into some CRITICAL facts about "new builds". New home construction in the Valley is a really great way in some cases to get an immediate increase in equity. I'll talk about great times to buy, what you want to look out for, the importance of having a Realtor who can help you know exactly what you're getting into, and make sure you're getting all of the incentives you deserve!  We'll talk about the hot Laveen, Arizona market as well, and some of the new builds going on there.

On this episode we are going to give you a very broad range of topics, including ghosts, roofs, a romantic event for the ladies, and much more! I'm joined as always by "Diva" Danielle Williams, and Tom Ross with Bay Equity. We also have Jen the Builder! First, Tom talks about six common mistakes when you refinance a home. There are so many areas that are critical - these unfortunately these happen all too often. Six Common Mistakes When You Refinance Not comparison shopping Looking for zero percent interest Taking too long to make your decision Not having paperwork organized Forgetting about mortgage closing costs Not being patient Our Social Community Director (The Diva) tells us about a romantic setting at Pomo in the Biltmore area (directions here). Tim Jones is a wonderful musician that plays there Friday nights from 5:30pm to 8:30pm. You can catch him at the Biltmore Fashion Park at 24th Street and Camelback. Danielle also talks about an organization called Finding My Shoes, run by Brenda Combs. They help supply goods and services to the homeless in the Valley and they need your support. They're located at 5701 West Hazelwood, Phoenix, AZ 85031. We also talk to Jen the Builder (Instagram). She's a female general contractor that works here in the Valley and she's an amazing wealth of knowledge. Today we'll talk about roofing. You're going to be shocked at some of the things that happen. Jen will tell you what to watch for when considering a roof type, what to ask when subcontracting the work, and much more. You can get much more at her website at JenTheBuilder.com, or call 480-925-2995. And I tell a scary ghost story about my condo! I wouldn't have believed it if there weren't two different, very strange incidents...

So much to talk about this week and we're putting everyone together in the same podcast even though we're spread from California, to Arizona, and all the way up to Colorado! We'll talk to Tina Tamboer (currently in Colorado) and That Market Report, and Tom Ross of Bay Equity (currently in California) talks about the importance of your credit score when you're in the home buying process, and how paying off credit cards might not necessarily help your credit score! Fun Things To Do "Diva" Danielle has a really wonderful deal on a Segway tour! Segway Tours in old Town Scottsdale are located at 11445 E Vía Linda, Scottsdale, AZ 85259 Our Charitable Cause of the Week Happily Ever After League (HEAL) is a non-profit organization founded by Lauren Daniels, who was diagnosed at the age of 35 with breast cancer in 2004. As a mother, Lauren felt there needed to be some resource to lean on during incredibly difficult times like that. She created HEAL to help mothers and their families immediately when they find themselves in these circumstances. Their needs are pretty simple; non-perishable food donations are essential for helping moms and their children - visit their website, follow them Instagram and on Facebook - they basically encourage anything to support these moms and their families.  

Ladies, we NEED to talk about retirement! It's time we jump in and get this handled. We talk with my good friend Andi Schooler, of Duell Financial Strategies. We're going to talk about the biggest mistakes that women make when it comes to retirement, how much women need to retire, and much more! We'll get a report specifically on the city of Phoenix from Tina Tamboer and That Market Report, and Tom Ross of Bay Equity talks about conventional financing as part of our continuing series on home loans. Our Social Community Director "Diva" Danielle Williams shares a fun activity to do in the Valley (bingo?) at CB Live (see the Facebook Event here) and an amazing charity called Lost Our Home that helps place pet adoptions and foster care for displaced pets. It's a packed show and we'll have lots to cover! Join us!

Wow! What a packed episode today. We talk about an incident that happened at my home that was a further demonstration that home warranties are important! I'll talk about consideration for lower deductibles versus higher premiums and how home warranty companies get a bad rap, but the company I'll tell you about has been outstanding. Our special guest today is Stacie Sholer, a Feng Shui expert and she'll give us some great tips on how to create a more positive energy with your home and surroundings. Tom Ross with Bay Equity dives deep on FHA loan program and some interesting ways that it provides support for families that you may not have known about. Tina Tamboer with the Cromford Report will tell us how supply is becoming short in the Valley and what that's creating in the marketplace. And "Diva" Danielle, our Social Community Director will tell us another great spot to check out and an organization called Control Alt Delete that assists people and their children escape abusive homes.  

On today's episode I sit down with Jennifer Arias, better known in the Valley as Jen the Builder! Ladies, if you're looking for an inspiring story, look no further. Jen is from a small town in Arkansas, and realized her skillset had a great application in the world of contracting.  Jen prides herself on being honest and up front with those looking for contracting help - even to the point of recommending that the person acts as General Contractor on a job themselves. She also talks about How she learned to value her skill set and put it to work in the marketplace The importance of submitting permits The particular challenge to working on a condo An incredible story about some terrible work done on a property (she also shared photos of it on her Instagram account, here) The importance of a pre-construction contract. This is a huge benefit to both parties for a remodel. Jen started her full time contracting in 2018 and hasn't looked back. Go to JenTheBuilder.com and you'll see some incredible photos of remodel and builds she's done as a general contractor. Tom Ross of Bay Equity did the heavy lifting as the host of the show while I sat down with Jen and did the interview. We also have That Market Report of course with Tina Tamboer who will share even more good news about how quickly things are recovering since the Coronavirus outbreak. Is it going to last? We'll make sure to keep you posted every week.

On this episode of Own It Girl we talk about a new term I'd never heard of... "Isolationship". We also discuss the state of the real estate markets here in Arizona and let you know about whether or not you'll have to repay all of that forbearance in a lump sum. Good news on all fronts. Tina Tamboer with the Cromford Report and Tom Ross, Branch Manager of Bay Equity will get us all the latest information! I also talk about a really interesting article in ViaCharacter.org. Alicia Guerrieri is our guest and owner of iSearchDecor.com, and author of "Making It Pop - 5 Step Guide to Professionally Optimizing Your Property to sell at Maximum Return." Buy her book at Amazon.com. We'll talk about an amazing story about her son-in-law diagnosed with COVID-19, what can women be doing right now to take advantage of this time at home to spruce up their homes for sale. Topics we discussed What are buyers looking for in a house these days? What are the hot trends in decorating right now? Making it POP - 5 step guide to Professionally Optimizing your Property to sell at Maximum Price. Alicia started a training for agents on staging. Paint colors NEUTRAL Modern Ivory - Dunn Edwards Bone White Exclusive Ivory - Dunn Edwards Cream Wave WHITES Swiss Coffee - Dunn Edwards White Dove Mike Glass Droplets - hint of grey GREYS Grey Owl - Benjamin Moore Worldly Grey - Sherwin Williams Amazing Grey - Sherwin Williams Olympus White - Sherwin Williams

On today's episode we're talking to Tania Lopez-Cepero, a licensed therapist who gives us some great tips and advice regarding how to take care of our mental health through this pandemic! You can email her for more information at tania@arizonachildpsychology.com Also, we have some great news about the latest market activity regarding contracts in a certain price range up 64% and what that means for the state of real estate and possibly a direction of things to come. Tina Tamboer of the Cromford Report brings her exclusive commentary! I'm going to share a wild story about what an agent recently did regarding social distancing and how she shut down her own client because she didn't want to be dictated to about how she can look at a property.  Tom Ross with Bay Equity will talk about home loans, where we're at with timing of escrow, what specifically is delaying closes these days and much more!

Once again we're bringing you the latest information and numbers in real estate and mortgages during the Coronavirus pandemic. We have some encouraging numbers and we'll talk about some really interesting examples where fear sometimes takes precedence over facts. We'll talk safety measures in real estate because the fact is, people still need houses! Albert Einstein said, “In the middle of difficulty lies opportunity.” So, how do we seize the day? How do we turn these difficult times into opportunity? Tina Tamboer has our market report and she'll focus on Phoenix metro real estate market update under $1M, whether sales are increasing/decreasing, and where the busiest real estate markets are in the Valley. Tom Ross with Bay Equity will get into mortgage markets normalizing, the value in recent public comments from the FHFA about "backstopping" loan servicing companies, which will help stabilize interest rates and make loans more available. Thanks again for listening and be sure to follow us and share this podcast with a friend.

In this episode we'll talk about everything you need to know about forbearance and deferment, but we really need to reinforce this important fact: REAL ESTATE PRICES AREN'T DROPPING. I'm Dianne Brennan and I join Tom Ross with Bay Equity, and Tina Tamboer, data analyst with The Cromford Report to bring you the latest on home values, and what is and isn't being affected during this time in real estate. Tina talks about a very slight adjustment in pricing from sellers who had active listings. The suggestion here is that this is a "pause", not a crash. Save Our Home AZ An incredibly important resource for those with mortgages in Arizona affected by the distress in this current environment. It actually has been around since the 2008 mortgage crisis and is a great help. Visit https://housing.az.gov/save-our-home I have a showing with the owners currently occupying the property. Their approach is not to show unless they have a contract. I'll talk about that approach and options using Matterport, a great 3D camera service that creates an incredible walkthrough view of a home. We talk about the circumstances behind a recent cash buyer that backed out of a deal. I ask Tom the dirty details about forbearance, and what someone should do if they are being affected. First, we define specifically what it means, the difference between that and deferment, and Tina discusses obligations you'll be responsible for when it comes to taxes and insurance. Tom expands on the state of "loan servicing" and the panic that has been occurring. "Paid not as agreed" This is an interesting part that many might not realize. Tom will discuss what lenders are required to report when it comes to potentially missing payments.

And yes, we do mean now! We are definitely in uncertain and unprecedented times...with the volatility in the stock market a lot of people are worried. It turns out the virus isn't the problem. It's the panicked reaction to it - fear and anxiety is really out of control. Things are changing constantly and we're all trying to find a new "normal". I'll share a funny story about a valet who presented himself as "not afraid of all this germ stuff", and what I saw after we shook hands.. Then we'll jump right in to the top 5 reasons to buy a home right now (yes, right now) in Arizona. You need somewhere to live! Cash investors are out - which can be good for you! Prices are going to continue to rise Affordability is normal Prices are going up...but mortgage interest rates are DOWN And we may even give you a bonus reason!! I talk with the regular cast of experts Tom Ross with Bay Equity and Tina Tamboer with the Cromford Report. Thanks to Michael Land who put together our incredible theme music (visit MichaelLandMusic.com for more info), and Brian DuBose with OnWeb Productions who puts the podcast together!

Today, Tom Ross and I discuss the interesting and ever-changing world of interest rates. Tom (with Bay Equity) knows exactly how to understand the way interest rate fluctuations work, and explains the dynamics involved in how rates are determined and what the criteria should be for refinancing at lower rates. How Much Do You Save? What Is a "point"? There is a discussion about what the market means right now, with the dynamic of Coronavirus, which is not likely to stop having an effect on sales.  We discuss an easy way to figure additional payment based on a simple calculation you can do in your head (it's only a 'rough' estimate but it helps). We also break down some key zip codes in the Valley and available housing supply in the Cromford Report. Key Questions Tom Ross with Bay Equity Reviews What affects interest rates What is a "point"? When should you refinance? Is it a full percentage point? How dependent is it on the no-cost aspect of a refinance? With rates where they are now, how to estimate your mortgage payment per month for every $10,000.

First you gotta find someone to help you… do you use a realtor, real estate agent, or a broker? We’re going to talk today about the difference and we’ll also give you the scoop on discount brokerages. Also we’ve been hearing all over the radio and television about these businesses that will buy your home as well. We’re going to take a very deep look at this. Clients ask me regularly about these companies and whether there is a catch. Here’s a spoiler…there DEFINITELY is a catch! We’re going to explain it to you. As we do each week, we'll talk to Tom Ross with Bay Equity along with data analyst Tina Tamboer with the Cromford Report. Some show notes for your reference while listening to the different types of brokers is below. Thanks for listening! Types of discount real estate brokers; Low Commission (Percentage) – a low commission broker who offers a greatly reduced commission percentage when selling your home Low Commission (Flat Rate) – a low commission broker who offers a flat rate when selling your home Hybrid Real Estate Brokers – hybrid model that is a combination of low commissions and flat rates when selling your home 2 for 1 – 2 for 1 model that is based on the agreement of buy a house with the agent and they will sell yours for free No Commission (Flat Fee MLS) – The no commission model that really means you’re selling the house yourself but there are a few valuable MLS listing services offered by a real estate agent Buyer Rebates – The buyer rebates model where real estate agents agree to refund a portion of the commission they receive to the buyer Be sure to follow us on social media! Facebook, and LinkedIn, or visit our website at ThatRealEstateShow.com.

Diane Brennan continues with number seven in the Home Buying Series. It's time to talk about the time from the appraisal to closing on a home. First, we discuss "mansplaining". We get into what it was and Diane tells a funny story about something that happened to her, told a friend, and was told about this term. We discuss what it was and how often it seems to happen! Also how irritating it is! Diane jumps in with Tom Ross, an experienced lender with Bay Equity, about the what he is finding in trends with his buyers. Tom talks about low inventory and talks about another approach Tina Tamboer takes when measuring that in the market. We'll talk about percentages of sales above, at, and below listing price, with some interesting results for February. We also talk snakes, Africanized bees, and coyotes!

Welcome to "Own It Girl", That Real Estate Show For Women. We've done a radio show until recently and we're venturing into the podcast universe! Below we've outlined a bit about ourselves, but the episode talks about our mission of empowering women in all matters related to women - not just real estate, but investments and much more! Tina Tamboer talks about buying her first property as a newly single woman, and how that felt. She talks about some of the challenges that women face when it comes to maintaining the home. She also talks about the current state of the markets. Tom Ross discusses the initial steps that need to be taken to purchase a home. From getting pre-approved before looking to what is a good credit score to make that happen. Diane talks about what she does and first steps that should be taken when buying a home. The Crew on the Show Diane Brennan - Host I'm a real estate agent with Coldwell Banker and I've always been an investor in real estate and spent much of my free time following market trends. I decided to turn my passion into a full time career and hangs her license at Coldwell Banker Residential Brokerage and hosts the weekly podcast, "Own It Girl" along with her co-hosts below. Tom Ross - Bay Equity Home Loans As a lending professional at Bay Equity, I'm dedicated to helping my clients with all of their home mortgage needs. The housing and mortgage markets are constantly changing and I pride myself on helping clients navigate the many options to find the right loans for their family. Tina Tamboer - The Cromford Report I hold a finance degree from Virginia Tech and have spent 19 years in the real estate industry as a database designer, data analyst, software trainer and sales executive. I began working as a consultant with Michael Orr in 2011 and I currently perform custom research, analysis, sales and customer support for The Cromford Report. My background in both trend analysis and sales allows me to help Realtors and lenders track their local market, target their sales efforts, and stay ahead of the game in today’s fast paced real estate environment.

In Episode 270, Tucker interviews Augustus "Augie" Bukowski, owner of Seattle Luxury Homes, BK Investment Group and Branch Manager of Bay Equity in Seattle, WA. They discuss all the different things Augie is working on in his real estate investing business and then they focus in on the Multifamily projects Augie is taking on. There is a ton of great info in this episode and Augie shares his knowledge and wisdom about multifamily projects as well as his outlook on the future real estate market. We hope you enjoy this episode and be sure to leave us feedback and reviews!

  Interest rates are moving in a downward direction and are showing no signs of changing for at least a year—but why? I’m joined by Tom Ross from Bay Equity to answer that.Buying a Phoenix Home? Search all Homes for SaleSelling a Phoenix Home? Check out our FREE Home Value ReportToday I’m alongside Tom Ross with Bay Equity Home Loans and, together, we’re here to discuss our current interest rate environment. By the end of this May, we saw a notable development with regard to interest rates: The combination of tariffs and various other economic conditions are driving rates down, and this downward trend doesn’t look like it’s going to slow or move in the other direction anytime soon.“The combination of tariffs and various other economic conditions are driving rates down.”Although market indicators tell us that rates will continue their current trajectory for the next year or so, it’s worth pointing out that, last year, we were confident that rates would continue to rise well into the high-5’s. It wasn't until the Fed announced a change of course in their policy decisions early this year that we knew we could see rates flatten out or begin to fall. All things considered, conditions are very favorable at this moment, and it’s a great time to get into the market.  Whether you’re considering buying or refinancing, go ahead and give Tom a call at 602-791-5861. We’d love to help you as a team! And if you have any other questions regarding your real estate needs, please reach out to me as well. We hope to hear from you soon!

As a lending professional at Bay Equity, Brad is dedicated to helping you with all of your home mortgage needs. The housing and mortgage markets are constantly changing. Brad can help you navigate the many options to find the right loan for you and your family. Whether you are buying or refinancing, buying your first home or building your dream home, Brad can explore with you the many options for financing. Welcome, Brad Nowak of Bay Equity Home Loans --- Support this podcast: https://anchor.fm/angeltalamantes/support

  We’re excited to announce our new program that will allow us to give back to the heroes in our community. Learn how it works here.Buying a Phoenix Home? Search all Homes for SaleSelling a Phoenix Home? Check out our FREE Home Value ReportI’m here today with my preferred lender, Tom Ross of Bay Equity, and we’ve been talking about how we can give back to our community, particularly to the people who have and still serve us in the community.I’m so excited because we finally have a program designed to do just that: Giving to Heroes. Who qualifies as a hero? In this context, a hero could be any person who dedicates their lives to serving us in the community—such as a teacher, a nurse, a firefighter, a police officer, an active duty military serviceperson, a veteran, or, slightly controversially, an employee of the government sector.“We’re so excited to be able to contribute and give back.”With this program, we’re able to contribute toward these heroes' closing costs as our little way of thanking them for spending their lives serving us. We’re so excited to be able to contribute and give back.If you have any lending questions for Tom, he can be reached at (602) 791-5861 or at tross@bayeq.comtross@bayeq.com.If you’re curious about purchasing a property and you’re a hero, please feel free to reach out to us. We would love to serve you back.

Have you ever wondered what goes into a reverse mortgage?  Are they a net positive when it comes to home loans?  This week, Andy Praksy is joined by Travis Whitford of Bay Equity Home Loans to discuss this initiative with fellow Bay Equity member Cindy Allen. See omnystudio.com/listener for privacy information.

  What should you do about interest rates knowing that they’re on the rise? Tom Ross from Bay Equity is here to explain.Buying a Phoenix Home? Search all Homes for SaleSelling a Phoenix Home? Check out our FREE Home Value ReportI’m here today with my preferred lender, Tom Ross from Bay Equity, to discuss a question about interest rates: “What should you do about interest rates, knowing that they’re on the rise?”Tom’s short answer is: Lock your rate in now.People have it in their head that if they just wait long enough, they’ll end up with a lower rate eventually. But rates in the 3% area are long gone; at our highest this year, we’ve brushed 5% and came back down into the high fours. This time next year, the 4% rates will be long gone as well.“Try not to turn down any showings, if possible.”Those in the market need to wrap their heads around the fact that this climb in rates we’re going into will be long-term and sustained. We’re in the midst of a sort of trade war with China, and inflation tends to raise interest rates as well. In fact, the Federal Reserve has gone on record to say that they’re going to raise the federal funds rate at least four times between now and the end of next year. Two of those jumps might occur even before the end of this year.Now the federal funds rate doesn’t directly impact mortgage rates, but as it rises, you tend to see interest rates come up.If you have any questions for Tom about rising interest rates, you can reach him at Bay Equity by calling (602) 791-5861 or by sending an email to tross@bayeq.com. For any questions about real estate in general, we always encourage you to reach out to us here at RE/MAX Excalibur. We’d love to answer your questions.

Our guest this morning is Henry Munoz from South Bay Equity Lending. Henry is an expert in reverse mortgages which have become very popular in recent years. In addition to reverse mortgages, he also originates Veteran Loans, Purchase Loans, and Refinance and Debt Consolidation among many others that the big retail banks are unable to provide or turn down. If you decide that you would like to purchase or sell a property, Henry is also able to assist as a licensed agent. He has many approved buyers and investors ready to buy commercial or residential properties. His goal is to provide solid information to every client and, impressively, his business is 90% referral. This morning, we're going to learn about reverse mortgages and other available loan options Henry specializes in. =+=+=+=+=+=+ To Find Out More about the two show hosts of The South Bay Show read on: Jackie Balestra features a comprehensive selection of things to do, places to go and people to know in the South Bay.to learn more visit http://www.SouthbayByJackie.com To Find Out More about Joe Terry visit https://www.MasternodeConsulting.com/about What's Happening in the South Bay, Hermosa Beach, Manhattan Beach, Redondo Beach, The South Bay Show, Los Angeles, California, Current Events, Calendar, Torrance, El Segundo, Palos Verdes

  Buying power has just gone up in Maricopa County. Tom Ross is here with the latest news.Buying a Phoenix Home? Search all Homes for SaleSelling a Phoenix Home? Check out our FREE Home Value ReportI’m back once again with my preferred lender, Tom Ross of Bay Equity, to give you guys some important new information about mortgage loan limits here in Phoenix. Some big changes have come out this last week and we wanted to explain what was going on to you guys.Fannie Mae and Freddie Mac have both raised their loan limits for conventional financing to $453,100 in Maricopa County. What this means is that you can essentially buy a $477,000 home with only 5% down. “Your buying power has increased as a result.”It’s a big assist to the buying power of anybody who is looking to buy a home with conventional financing. It opens up the market a bit more as well.If you have any interest in buying a home or just want to know more about these loan increases, give us a call or send us an email. We would love to hear from you.

 Our preferred lender, Tom Ross, has moved over to Bay Equity! How will this change benefit you? Buying a Phoenix Home? Search all Homes for SaleSelling a Phoenix Home? Check out our FREE Home Value ReportI’m here with Tom Ross, our preferred lender, who recently moved over to Bay Equity.As a result, Tom is able to offer a higher level of service to our clients. Why?One of the reasons Tom made the move to Bay Equity is to take advantage of new technology in the industry. Bay Equity is based out of Sausalito—you can’t establish a business that close to Silicon Valley without knowing something about technology!Technology is incredibly important and provides speed and convenience for our customers. After signing up with Bay Equity, Tom has been able to eliminate some redundancies in the loan process. From the origination to DocuSign, all these new bells and whistles mean Tom can operate more efficiently and serve you at a higher level.“Tom guarantees a quick closing process, even for jumbo loans. ”If you are getting a loan and want to close in three weeks, Tom can make that happen. He’s always been able to do so, but at Bay Equity, it’s just a bit easier. Tom guarantees a quick closing process; he can even close a jumbo loan within three or four weeks—assuming that you let your lender order an appraisal.“Being able to underwrite everything within our own four walls has been a massive benefit,” says Tom.Working with a lender like Tom to buy in today’s market will make your offer appear stronger to other buyers, as you’ll be able to close in three or four weeks.If you have any questions for Tom, you can reach him at 602-791-5861 or tross@bayeq.com. As always, if you have any real estate questions for me, just give me a call or send me an email. I would be happy to help you!

Listen To Money Matters With Dino every week on KEIB AM 1150 and KBRT AM 740. This week Dino has on Ryan Kleis from Reverse Mortgage Educators, David Harrington from Western Reliance Funding Group and Jonathan Halstead from Bay Equity to discuss the many options for those out shopping for a mortgage.