Rates have dipped to 6.77%, Jerome Powell hinted at more cuts, and market sentiment is finally shifting… but are YOU ready to move when the moment hits? In this week’s episode, Andy and Will break down three trending topics every homebuyer, homeowner, and real estate pro needs to understand right now: 🔥 1. Should you get pre-approved now or wait for rates to drop further? 🔑 2. Why “nepo buyers” (gifted down payments from family) are changing the game 💻 3. Zillow's new listing policy: transpar...
Jul 09, 2025•43 min•Season 1Ep. 120
Pending home sales are up, sentiment is shifting, and more buyers are jumping into the market — is this the start of a real estate rebound? In this episode of the Mortgage Heroes Podcast, Andy and Brian break down what’s happening now and what you can do to prepare for your next move. 🔑 PLUS: We explore the rise of cryptocurrency in real estate — from theoretical to practical. Is it the future of homebuying or just hype? 🎯 Here’s what we cover: ✅ Why pending home sales are ticking up — and wha...
Jul 02, 2025•41 min•Season 1Ep. 119
In this week’s Mortgage Heroes Podcast, we tackle some of the hottest and most controversial real estate topics of Summer 2025 — including new ADU rules in San Diego, home improvement loan pros & cons, and the Fed’s decision to hold rates steady (again). Whether you’re a homeowner, investor, or first-time buyer, this episode brings the insights and real talk you need to navigate today’s market with confidence. 🧠 What we cover: ✅ San Diego’s major changes to the ADU bonus program ✅ Why inves...
Jun 25, 2025•41 min
Is a HELOC your smartest financial move right now? 🤔 Are we finally entering a buyer-friendly housing market? And what’s really driving the spike in mortgage applications this summer? In this week’s episode of the Mortgage Heroes Weekly Podcast, Andy and Brian break down everything you NEED to know heading into summer 2025 — from debt consolidation strategies to real estate market shifts that could shape your next big money move. 📈🏡 Here’s what we cover: ✅ When a HELOC does (and doesn’t) make...
Jun 18, 2025•44 min•Season 1Ep. 117
🔥 From Hustle to High Ranks: How Austen Tucker is Winning in Mortgage & Real Estate Young 💼🏠 What does it really take to succeed as a young entrepreneur in the mortgage and real estate space? In this episode of Friends of Mortgage Heroes, we sit down with Austen Tucker, one of the most charismatic, honest, and high-performing loan officers in the nation — all before 30. From grinding through his early 20s to now running a top-performing branch at eMortgage Capital, Austin gets real about:...
Jun 13, 2025•1 hr 3 min
🎙️ How June the Realtor Beat the Odds & Built a Real Estate Brand from Scratch | Friends Mortgage Heroes In this raw, real, and powerful episode of Friends at Mortgage Heroes, we sit down with June Malan, better known as June the Realtor — CEO, podcaster, father, and one of San Diego’s rising real estate voices. From being kicked out of his dad’s house at 17, living in a halfway home, and closing loans while sleeping in his car… to launching his own real estate business and podcast, June's ...
Jun 06, 2025•1 hr 2 min
Are you ready to buy a home in 2025? 🏠 Whether you're a first-time buyer or just haven't purchased in a while, this episode of the Mortgage Heroes Podcast breaks down the Top 10 Critical Steps you need to take to become a successful homeowner this year. From credit scores and budgeting to picking the right loan and real estate agent — we cover it all. In today’s market, preparation is power. The game has changed, and the smartest buyers are the ones who plan ahead. This video is loaded with up-...
Jun 04, 2025•1 hr 23 min•Season 1Ep. 116
🎙️ From Marine Corps to Real Estate: The Cowboy Hat Guy's Journey. In this episode of Friends Mortgage Heroes, we sit down with U.S. Marine veteran, full-time cowboy, and rising real estate star Xavier Zamora — better known as The Cowboy Hat Guy. From a childhood shaped by military life to building a purpose-driven career post-service, Xavier opens up about the struggles, sacrifices, and lessons that shaped his journey. 🏡 Learn how Xavier transitioned from boots to business, carrying his "give...
May 30, 2025•53 min
Welcome back to the Mortgage Heroes Weekly Podcast! In this jam-packed episode, Andy, Brian, and Will dive into the latest housing headlines following Memorial Day weekend 🇺🇸 🎙️ This Week's Hot Topics: ✅ Memorial Day reflections & gratitude to our heroes ✅ The BIG housing bill: Lower Income Housing Tax Credits & Opportunity Zones ✅ The $1M Starter Home? 🤯 Reality check on housing affordability across 28 states ✅ April home sales slump: Is it doom—or a smart pause by buyers? ✅ First-t...
May 28, 2025•41 min•Season 1Ep. 115
Welcome back to the Mortgage Heroes Weekly Podcast! TThis week, we dive into two powerful topics that are shaping the financial future: 2025 housing market predictions coming true and the truth about buying a home with student loans. 📊 In this episode we break down: How 32% of first-time buyers still had student loans 💸 Why increased inventory = buyer negotiation power 🏘️ What debt-to-income ratio really means (and how it’s calculated with student loans) 2025 home price growth projections fro...
May 21, 2025•55 min•Season 1Ep. 114
The Voice of Chula Vista - Behind the Scenes with Mr. Chula Vista Himself 🌟 In this episode of the Friends of Mortgage Heroes Podcast, Andy sits down with one of the most recognizable faces in Chula Vista—Kurt, aka “Mr. Chula Vista.” From humble beginnings in community journalism to becoming a beacon of local pride and influence on Instagram, Kurt shares how his passion for highlighting small businesses, city developments, and everyday heroes transformed into a movement. 🚨 You’ll hear: The rea...
May 16, 2025•1 hr 13 min
In this episode, we break down the latest twists in the housing and mortgage markets — from rising home listings and soft buyer demand to the Fed’s rate freeze and fears of stagflation. With economic uncertain-ty swirling and affordability still a hurdle, should you wait or act now? We dive into: 📉 Will mortgage rates finally drop in 2025? 📊 Why purchase applications are surging despite affordability concerns 💬 The data vs. sentiment debate: is the market actually recovering? 💡 Smart buyer s...
May 15, 2025•53 min•Season 1Ep. 113
🔥 In this powerful episode of Friends of Mortgage Heroes, we sit down with *Anthony Castillo* — U.S. Navy veteran, industry disrupter, and founder of Eminent Energy. With over \$100M in solar sales under his belt, Anthony shares his incredible journey from humble beginnings and a tough upbringing to building a thriving solar business and empowering others to break free from limiting beliefs. 👉 Hear how Anthony: * Transitioned from military to maximum-security prison work to door-to-door solar ...
May 09, 2025•45 min
This week on the Mortgage Heroes Podcast, Andy and Brian break down the latest housing headlines and what they really mean for buyers and sellers this summer. From a positive outlook in the Newsweek housing forecast to concerns over mortgage demand and home sales data, they cut through the noise to give you real, actionable insight. 🔥 Episode Highlights: * Why Summer 2025 could be a sweet spot for homebuyers * What's driving the slowdown in home sales — and why it might be overblown * Generatio...
May 07, 2025•43 min•Season 1Ep. 112
Buyers who are hungry may start seeing more seller concessions as affordability continues its crushing pressure on most aspiring owners. All hope is not lost though because we see prices holding steady or slightly declining in pockets where sellers need to move, which helps close the gap between the “haves-and-have-nots”.
Apr 30, 2025•56 min•Season 1Ep. 111
2025 looks like it will be a good year to be a buyer. And that may mean it’s also a good year to be a seller. Either way, preparation is the name of the game as pressure mounts on inventory, interest rates…and even the public officials.
Apr 23, 2025•41 min•Ep. 110
All things housing related have been catapulted to the forefront of many conversations these days. With Tariffs dominating the headlines, it’s kind of surprising; however, when we observe the connection points of broad economic policy moves on the markets, we begin to see the making of a very interesting housing landscape coming into Spring & Summer of 2025.
Apr 16, 2025•51 min•Season 1Ep. 109
Born and raised in Los Angeles, Anthony is a devoted family man and a seasoned Navy Chief with 21 years of service as a Logistics Specialist. In addition to his military career, he’s a licensed real estate agent for California and a Multi-state Loan Officer. He’s the CEO of Reanue Enterprises, leading the award winning Reanue Home Team. Anthony’s family roots trace back to Belize, and he cherishes family above all. With unwavering determination, he’s navigated both military and real estate water...
Apr 11, 2025•52 min
The stock market rout that began last week took mortgage rates right along with them. Mortgage rates across all types went down amid the tariff response inside the financial markets. This will create a “sweet spot” for homeowners and aspiring buyers alike. Today we talk about how to take advantage of this window of time.
Apr 09, 2025•51 min•Season 1Ep. 108
National housing policy is making a big stink on the big stage right now, but at home we have some great news for future inventory. It just depends on who you ask. The developer AND the environmentalists are both happy, but will the community be?
Apr 02, 2025•51 min•Season 1Ep. 107
Haters are my motivators…someone said that once, and it’s certainly advice that took root with today’s guest Sam Khorramian. He’s a 8X CEO on Inc. 500 list #26 , #31 , #33 , & #56 specifically. He’s done $30 Billion in Real Estate sales, and keeps himself sharp as an active Investor & Business Consultant. Sam commonly reminds followers there’s no shortcuts to success except the people and environments you put yourself in, because SUCCESS LEAVES CLUES. Contact Sam: IG: @the9thzero E-mail...
Mar 28, 2025•1 hr 13 min
Almost immediately after January posted the record low for pending home sales, February’s numbers were just released and they’re already making a comeback. If things continue this way we could see a spring & summer buying season we’re normally used to. What a relief that would be!
Mar 26, 2025•53 min•Season 1Ep. 106
This week Memo & Brian give their first hand account to the most trending topics on ChatGPT! It may seem like AI is taking over, but have no fear - the guys are here to tackle these top 4 trending conversations head on. - Real Estate & Mortgage Trends - Business & Entrepreneurship - Personal Finance & Wealth Building - Health, Mindset & Personal Growth
Mar 19, 2025•49 min•Season 1Ep. 105
True to his word, Andrew “Brings the wood” to make an impactful impression. His track record and acumen are making noise throughout San Diego county in a prety big way and there’s no signs of him slowing down. It is our honor and pleasure to have him join us today to share some insights about all the cool stuff he’s up to in San Diego Real Estate. …and if you ever wondered why he always carries a bat with him when he speaks, today you’ll learn why. Contact Andrew: Website: https://www.andrewthom...
Mar 14, 2025•49 min
Low interest rates to start of March were a welcome surprise. It looks like someone needs to tell home sellers of the optimism because upwards of 90% of people say they are worried about selling their home. Since we can’t have it both ways, which way will overcome the other – Can declining rates spur more people to sell in 2025?
Mar 12, 2025•46 min•Season 1Ep. 104
The most recent pending home sales data was the worst on record…actually the worst, yet home prices remain elevated despite listing prices being slashed in certain areas? How can they both be true? By the way, where is the avalanche of foreclosures we were told were coming? This might be the most confusing start to a year in, well, years.
Mar 05, 2025•38 min•Season 1Ep. 103
This week Memo and Brian break down some of the most widely held VA myths and misconceptions, detail little known facts, and share client stories of success using this amazing benefit. Whether you’ve used your VA home loan benefit before or not, we’re sure this will peak your interest into how truly amazing this program can be for active duty and veterans alike.
Feb 26, 2025•48 min•Season 1Ep. 102
Let the arguments begin! (or continue?...🤔) The never-ending battle between supply and demand is ever present in mortgage and real estate. San Diego is doing fairly well with their ADU program, but not everyone’s convinced. While a vast number of homeowners are still sitting on historic low interest rates, 1 in 5 still say they plan on listing their home in the next 3 years.
Feb 19, 2025•1 hr 2 min•Season 1Ep. 101
Today we celebrate our 100th episode. Thank you for being alongside us in this journey. We are encouraged hearing your stories of success in real estate and mortgage. We’re also announcing the launch of our case study series, where Brian and Will share real life success stories in mortgage and real estate. You can check out that playlist at this link here: https://www.youtube.com/playlist?list=PLDZcNn3Jd48mx9jnrNMTObyLLk8-B11Dk Articles Mentioned in this Episode: My wife and I used our military ...
Feb 12, 2025•55 min•Season 1Ep. 100
January was WILD for a lot of reasons, so what does the rest of 2025 have in store? The evolution of AI is applying pressure in a lot of industries, and real estate is no exception. There’s plenty of debate about home prices, mortgage rates, policy, and the economy as a whole. This week we take a broader look at what could be in store for us for the rest of 2025. Articles Mentioned in this episode: Will we see home prices decline in 2025? — Housingwire https://www.housingwire.com/articles/will-w...
Feb 05, 2025•1 hr 4 min•Season 1Ep. 99
