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PODCAST

RealTalk with Joe Sheldon

Join Joe Sheldon and a rotating guest list to learn more about real estate, mortgages, and everything you need to know about buying a home in Washington State.

leisure home & garden

All Episodes

00:09:43

Ep 142: Your Home’s Equity: Pulling Cash Out...

RealTalk with Joe Sheldon ·

2025/12/02

Guests: Kieth HobartSummaryIn this conversation, Joe and Keith Hobart from Peak Mortgage discuss the concept of home equity, how to calculate it, and the various options available for leveraging it, such as home equity loans and lines of credit. They explore the benefits and risks associated with borrowing against home equity, including the impact on monthly mortgage payments and the importance of understanding debt-to-income ratios. The discussion emphasizes the need for responsible borrowing and

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00:11:04

Ep 119: Selling a Home As-Is (with Chris Sanders)

RealTalk with Joe Sheldon ·

2025/10/09

Guest: Chris SandersSummaryIn this conversation, Joe and Chris discuss the complexities of selling a home 'as is'. They explore the misconceptions surrounding the term, the lack of formal recognition in real estate, and the potential negative implications for sellers. The discussion covers pricing strategies, the impact on negotiations, and buyer expectations, emphasizing the importance of a nuanced approach to selling homes that may require repairs or renovations.TakeawaysThere is no formal

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00:12:26

Ep 111: Navigating Private Mortgage Insurance Removal...

RealTalk with Joe Sheldon ·

2025/09/20

Guests: Casey Oiness and Colin TippSummaryIn this conversation, Joe, Casey Oynes, and Colin Tip discuss Private Mortgage Insurance (PMI), its implications for homeowners, and the processes involved in removing it. They explore the differences between conventional and FHA loans, the importance of tracking mortgage insurance, and the refinancing options available to homeowners. The discussion emphasizes the need for homeowners to stay informed about their mortgage insurance status and the potential

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00:18:24

Ep 85: How to Handle a Slow Listing (with Chris Sanders)

RealTalk with Joe Sheldon ·

2025/07/22

Guests: Chris SandersSummaryIn this conversation, Joe and Chris Sanders discuss the challenges and strategies associated with slow listings in real estate. They define what constitutes a slow listing, explore metrics for assessing market performance, and share insights on when to consider price adjustments. The discussion also covers the effectiveness of incentives versus price reductions, the impact of online presence on listings, and the importance of communication between agents and sellers. They

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00:11:37

Ep 71: How Interest Rates Affect Home Affordability...

RealTalk with Joe Sheldon ·

2025/06/19

Guests: Kieth HobartSummaryIn this conversation, Joe and Keith discuss the significant impact of interest rates on home affordability, how they influence home prices, and strategies for locking in rates and choosing the right loans. They also explore refinancing options for homeowners, emphasizing the importance of understanding debt-to-income ratios and market conditions.TakeawaysInterest rates directly affect a buyer's monthly payment and A small increase in rates can significantly impact loan

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00:18:03

Ep 62: Mortgage Pre-qual vs Pre-approval vs...

RealTalk with Joe Sheldon ·

2025/05/29

Guests: Casey Oiness and Colin TippSummaryIn this conversation, Joe, Casey, and Colin from Guild Mortgage discuss the essential differences between pre-qualification, pre-approval, and pre-underwriting in the mortgage process. They emphasize the importance of pre-underwriting as a means to enhance buyer confidence and competitiveness in the housing market. The discussion also covers the necessary documentation for pre-approval and pre-underwriting, the impact of credit checks, and the streamlined

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00:20:35

Ep 58: Seller Disclosures: What You Must Reveal in...

RealTalk with Joe Sheldon ·

2025/05/20

Guests: Chris SandersSummaryIn this conversation, Joe and Chris Sanders delve into the complexities of seller disclosures in real estate transactions. They discuss the legal responsibilities of sellers, the importance of complete disclosures, and the implications of non-disclosure. The conversation also covers exceptions to disclosure requirements, neighborhood concerns, and the impact of past insurance claims on property value. The overarching theme emphasizes the buyer's responsibility to

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00:16:31

Ep 53: Unlocking Homeownership: First-Time Buyer...

RealTalk with Joe Sheldon ·

2025/05/08

Guests: Casey Oiness and Colin TippSummaryIn this conversation, Joe, Casey Oiness, and Colin Tipp from Gild Mortgage discuss various aspects of first-time homebuyer programs and down payment assistance options. They clarify that these programs are not exclusively for those buying their first home, as long as the buyer has not owned a home in the last three years. The discussion covers popular programs available in Washington, eligibility requirements, the importance of homebuyer education, and the

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00:24:31

Ep 50: Bidding Wars: How Buyers Can Stand Out (with...

RealTalk with Joe Sheldon ·

2025/05/01

Guests: Chris SandersSummaryIn this conversation, Joe and Chris discuss strategies for buyers navigating bidding wars in the competitive real estate market. They emphasize the importance of proper financing, understanding contingencies, and the emotional aspects of home buying. The discussion also covers practical tips for making competitive offers and coping with rejection during the home buying process.TakeawaysBuyers should prioritize getting preapproved over prequalified.A reputable lender can

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00:11:12

Ep 42: Mortgage Rate Trends: Fixed vs Adjustable...

RealTalk with Joe Sheldon ·

2025/04/12

Guests: Kieth HobartSummaryIn this conversation, Joe and Keith Hobart discuss the current trends in mortgage interest rates, comparing fixed and adjustable rate mortgages. They explore the implications of these rates on home financing decisions, the mechanics of adjustable rate mortgages, and the advantages and disadvantages of different mortgage options. The discussion emphasizes the importance of understanding the market and making informed decisions when it comes to mortgages.TakeawaysInterest

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00:12:26

Ep 40: Touring Open Houses Like a Pro (with Chris...

RealTalk with Joe Sheldon ·

2025/04/08

Guests: Chris SandersSummaryIn this conversation, Joe and Chris Sanders discuss essential tips for touring homes during open houses. They cover what to bring, the importance of staging, how to interact with agents, evaluate pricing, and assess neighborhoods. The discussion emphasizes the need for buyers to be prepared, informed, and proactive in their home-buying journey.TakeawaysBring slip-off shoes and business cards to open houses.Staging can significantly impact a buyer's perception of a

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00:12:00

Ep 29: FHA vs Conventional Loans (with Kieth Hobart)

RealTalk with Joe Sheldon ·

2025/03/13

Guests: Kieth HobartSummaryIn this conversation, Joe and Keith Hobart discuss the fundamental differences between FHA and conventional loans, focusing on eligibility criteria, credit score requirements, mortgage insurance implications, and the conditions of properties eligible for these loans. They also touch on the use of these loans for investment properties and the associated closing costs, providing insights for potential homebuyers.TakeawaysFHA loans are more lenient on debt-to-income

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00:09:27

Ep 20: Renovation Loans: FHA 203(k) and Other Options...

RealTalk with Joe Sheldon ·

2025/03/04

Guests: Kieth HobartSummaryIn this conversation, Joe and Keith Hobart discuss renovation loans, particularly focusing on the 203K FHA loan. They explore how these loans work, the types of renovations that can be financed, the process involved, and the risks associated with renovation loans. Keith emphasizes the importance of thorough planning and working with licensed contractors to ensure a successful renovation experience.TakeawaysRenovation loans are designed to help finance home improvements.The

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00:17:32

Ep 19: Navigating Multiple Offers in a Seller's...

RealTalk with Joe Sheldon ·

2025/03/01

Guests: Chris SandersSummaryIn this conversation, Joe and Chris discuss strategies for sellers navigating multiple offers in a competitive real estate market. They emphasize the importance of understanding seller needs beyond just the highest price, evaluating financing options, and the role of inspections and earnest money. The discussion also covers escalation clauses and the impact of personal letters from buyers on the decision-making process.TakeawaysSellers should evaluate offers based on

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00:11:41

Ep 13: All About VA Loans (with Casey Oiness and...

RealTalk with Joe Sheldon ·

2025/02/27

Guests: Casey Oiness and Colin TippSummaryIn this conversation, Joe discusses VA loans with Casey Oynas and Colin Tip from Guild Mortgage, focusing on eligibility, benefits, and the unique aspects of VA loans compared to conventional loans. They explore the qualifications needed for VA loans, the advantages such as zero down payment and no mortgage insurance, and the process of obtaining a VA loan. The discussion also covers the funding fees associated with VA loans, the ability to use VA loans

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00:14:27

Ep 7: Refinancing: When Is It Worth It? (with Kieth...

RealTalk with Joe Sheldon ·

2025/02/25

Guests: Kieth HobartSummaryIn this conversation, Joe and Keith Hobart from Peak Mortgage discuss the intricacies of refinancing in 2025. They cover various factors that homeowners should consider when deciding to refinance, including the impact of consumer debt, break-even points, and the importance of understanding different loan programs. The discussion also highlights the significance of credit scores, the differences between rate and term versus cash-out refinancing, and the current landscape of

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00:10:38

Ep 2: New Year, New Morgtgage Rules (with Casey...

RealTalk with Joe Sheldon ·

2025/02/22

Guests: Casey Oiness and Colin TippSummaryIn this conversation, Joe, Casey, and Colin discuss the new mortgage rules and updates for 2025, focusing on loan limits, down payment options, credit score requirements, and the challenges of self-employed borrowers. They also delve into interest rate predictions and the importance of timing in real estate purchases, emphasizing the need for buyers to act quickly in a fluctuating market.TakeawaysLoan limits are increasing annually, providing more

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17 results

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