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Real Estate Radio LIVE is a podcast covering the world of Anything and Everything Real Estate™. Hosts Joe Cucchiara and Bobbi Decker are a team of full-time, real estate and finance industry professionals who believe that knowledge is power. With current market experience and honest, insightful perspectives - the guidance they bring to the air waves is an un-matched consumer & professional resource.
 
"Around the Block" is a podcast discussing the ins and outs of the real estate profession as well as some insight on where the market has been, currently is, and headed to in the future. Our objective is to provide you with information that may prove to be useful in their first or next real estate transaction. We tackle topics that that directly affect home buying and selling your home in todays market.
 
The best in the business trust him with their secrets. But who does he trust with his? You! Sit back and get ready to discover the underground strategies for making REAL money and creating a life of PASSION and REWARD in real estate. He's hardcore. He's no BS. And he plays to win big. Here's your host and THE Agent On Fire, Mike Costigan.
 
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show series
 
We can all have a good chuckle when you meet with a professional, and you realize their publicity photo was taken years ago. Today Joe chats with Teresa (FOTOS BY T), who outside of keeping your publicity photos relevant, captures all her clients’ memorable moments while making the shoot itself fun and lighthearted. We seriously doubt anyone else b…
 
It’s been happening for a while, but you could unofficially call 2020 the year people wanted to leave California. We saw the economy have a massive run up coupled with crazy low interest rates that made it too tempting to buy no matter the cost. Joe Cucchiara and Jack Russo team up to discuss how the turbulent political environment and knee-jerk co…
 
There’s a lot going on in Florida and if you haven’t looked into it yet, we’ve got you covered. Jack Russo provides us with an insider’s look at all the ways Florida is drawing in people from more than just California – and yes, it goes well beyond affordable housing! Politics and recreation aside, it could be possible that Florida is on its way to…
 
Why boycott Bank of America? If your privacy is important to you, then you will want to strongly consider switching your account to a different bank. Bank of America has been sharing private information with government agencies about consumer spending habits in the time around the January 6th Capitol riots. Though it is easy to sell off this underr…
 
As an industry, the National Association of Realtors is a strong lobbying body in Congress, but in one week, a new administration will take office. Regardless of the NAR’s power, many things will officially begin to change starting January 20th and smart investors will start planning for new changes. Joe Cucchiara asks Jack Russo what changes he th…
 
2020 was so crazy, it’s hard to remember anything that happened that isn’t covid related. Residential real estate remained surprisingly strong in Silicon Valley and it is arguable that residential real estate actually benefitted from the pandemic – but can the same be said for commercial real estate? Joe Cucchiara wraps up a wild year for real esta…
 
Wake up California! Big companies have had it and are finally leaving for a more business friendly state. For a few years now you have heard us talk about how California residents have flocked to states where homes can be 1/10 the price for a lot more space and are a lot more attractive when Tax Day rolls around. Companies such as Oracle, Hewlett P…
 
There comes a time for every business owner when tough decisions need to be made. As the economy dwindles away, fear, confusion and hopelessness make it easy to cloud the minds of owners and consumers. No one knows this better than Chris Cucchiara who opened an innovative lifestyle center in the central coast just three years ago. Working alongside…
 
Since March, small businesses have been riding this crazy roller coaster and taken more than their fair share of hits. Shutdowns and stricter regulations are being put back into place as covid makes its resurgence and many small businesses that were already in survival mode, may soon lose it all. Starting today, Joe Cucchiara is challenging you to …
 
The studies are in, exposure to nature can be the most important factor to promoting your physical and mental wellbeing. One way we can bring the relevance of nature to the forefront, is to allow people to quantify it and then track it over time. Host Joe Cucchiara asks Jared Hanley and Dr. Chris Minson about how users calculate their “NatureScore”…
 
October may be the home of post-season baseball, Halloween, mountains of candy and our favorite spooky themed treats. However, the scariest thing that happens during October has nothing to do with skeletons, zombies, cavities, or the LA Dodgers winning the World Series, October is breast cancer awareness month. Anyone who has faced any type of canc…
 
From San Francisco to New York City, rents are drastically dropping across all the major US cities. For years you have heard us talking about building modular and prefabricated homes as ways to get the price per square foot down. More recently we have focused on the exodus of California and other high-income states (or the United States altogether)…
 
Has there ever been a bigger focus on making nature part of your physical and mental health? Applying his 20+ years of data science to his passion for nature, Jared Hanley is capitalizing on the growing evidence that time spent in nature is the key for supplying your body with more energy than a cup of coffee or a trip to the gym can offer. Years c…
 
With less than a month before election day, the controversial confirmation hearing for Amy Coney Barrett are underway. Though the first day of hearings was largely filled with senators arguing over the ethics of Trump nominating a justice this close to an election, Jack Russo explains to Joe Cucchiara why Amy Coney Barrett does not meet his persona…
 
Business students will remember learning about creative destruction, the notion that out of every destruction something new is created. What doesn’t get talked about is how quickly that something new gets created. Whether we find a covid vaccine or not by the end of 2020, the virus has already changed Silicon Valley. Joe Cucchiara and Jack Russo di…
 
Creating awareness for yourself and what you can do for yourself can be an empowering move for entrepreneurs. Whether you do it by yourself or you assemble a team of people to do it for you, it is something that every small business owner needs to do. For the last 25 years, Dan Foss has been advising small business owners by identifying and priorit…
 
California is in the middle of a crisis that is indirectly affecting everything from real estate to jobs to businesses. Of course this problem of consumers fleeing state and country in search of lower cost living is happening all across America, but as the sixth largest economy in the world, it just wouldn’t be California if we didn’t have our own,…
 
Political unrest, increasing taxes and poor use of that money. These are just a few probable reasons why the rich are leaving California. As times get more challenging, California is quickly becoming an interesting state to watch as residents and residential income experiences a major shift. Join Joe Cucchiara and Jack Russo in this discussion on w…
 
The Golden State is undergoing some major changes that are affecting people personally and professionally. Whether you are flustered with new laws and taxes or just tired of traffic and sky-high rent, consumers are getting out of California and looking for places to go. Today Joe Cucchiara talks with Jack Russo, currently on assignment in Florida, …
 
It’s been quite some time since covid -19 effectively shut down the economy, and a surprising number of markets and industries are thriving despite the grim expectations. When life becomes more unpredictable than normal, the only weapon consumers really have is knowledge that hopefully comes from a reliable source. Today Joe and Mike take a look at…
 
“Why am I living in California if most of my investments are outside of the state?” Talking to people, there is a scary amount of people seriously considering leaving California in the near future for a multitude of reasons. With more companies issuing remote policies, the list of reasons to stay are dwindling and the motive to relocate is gaining …
 
Is it time for the government to force people to change the way they live? The livability of a place is directly related to whether or not they can stay. With more people opting to work from home, it is completely possible to hold a Silicon Valley job and leave the traffic and high living costs behind if you do a little planning beforehand – and ma…
 
What are the 4 C’s of credit and why do they matter? In this series we talk about how all of them impact your ability to get a mortgage. The 4 C’s are cash, credit, collateral and capacity. All of these components make up a mortgage file. Should your financial picture be weak in multiple areas you may find getting a mortgage more difficult to get a…
 
Covid has affected our personal and business life like nothing before. Whole worlds have been flipped upside down for just about every person across the globe including Alex Hult, a successful restauranteur who is struggling to keep his business afloat as customers and revenue dry up. Trying to get money from customers is not Alex’s only concern at…
 
What are the 4 C’s of credit and why do they matter? In this series we talk about how all of them impact your ability to get a mortgage. The 4 C’s are cash, credit, collateral and capacity. All of these components make up a mortgage file. Should your financial picture be weak in multiple areas you may find getting a mortgage more difficult to get a…
 
Before the pandemic, people thought Silicon Valley was bulletproof. Sure, the cost of living is high, but people still wanted to come here and work for the biggest tech companies and slickest startups. Several months later, covid has allowed people to move out of state, choosing to work at home indefinitely. Consequently, corporations are now force…
 
What are the 4 C’s of credit and why do they matter? In this series we talk about how all of them impact your ability to get a mortgage. The 4 C’s are cash, credit, collateral and capacity. All of these components make up a mortgage file. Should your financial picture be weak in multiple areas you may find getting a mortgage more difficult to get a…
 
What are the 4 C’s of credit and why do they matter? In this series we talk about how all of them impact your ability to get a mortgage. The 4 C’s are cash, credit, collateral and capacity. All of these components make up a mortgage file. Should your financial picture be weak in multiple areas you may find getting a mortgage more difficult to get a…
 
Go back 100 years and the law was against lawyers advertising and finding third parties to finance cases. Even contingent fees were scrutinized to dissuade lawyers from pursuing costly litigation. Though things changed in the 1980’s, lawyers still spend much of their time playing the role of peace maker as most cases cannot afford to go to litigati…
 
This week I talk about Mortgage Credit Certificate’s. What they are and how they may benefit home buyers who are eligible for one. Want to know more about home loan options. My team and I would love to help you. You can reach us online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer…
 
Sorry, but I posted episode 161 before 160. That is what happens when you are a mortgage guy and not a podcaster, lol. This week I talk about mortgage shopping and why it is almost impossible. If you are in the market for a mortgage my team and I would love to help you. You can reach us online at www.danmoralez.com or at 616-931-4629 Dan Moralez Re…
 
Interest rates are near all time lows, hovering around the mid to high 2’s depending on your loan amount, credit score, etc. While still low, many quotes you receive can be misleading, oftentimes costing you more money than you’ll save. Fortunately, the easiest way to figure out if a lender is a legitimate professional or a hack is to ask “What is …
 
I get asked a lot by clients for my opinion on where I think the housing market is going and what impact the pandemic will have on housing. This week I talk about some general thoughts on housing and mortgages and why I still think the American dream of home ownership is still a great long term investment. If you are in the market for a mortgage my…
 
When it comes to reopening your business, you plan for best and worst case scenarios and usually you end up somewhere in between. More business owners are asking how they should think going forward and the answer may be as easy as SWOT. Analyzing your internal strengths and weaknesses and your external opportunities and threats are the first steps …
 
Whether it be race, religion, sexual orientation, or gender, we are still going through a process of unbiasing ourselves. Still in the midst of a pandemic, pent-up anger over racial discrimination and police brutality is bubbling to the surface, largely fueled by loss of jobs, income and opportunity. Officer or civilian, we are learning a painful l…
 
This week I talk about state specific options. Many states have Housing Finance agencies that offer special mortgage programs to help first time buyers and low to moderate income buyers qualify for an affordable mortgage. We offer programs from a number of states and may be able to assist you or get you connected with somebody who can assist you. I…
 
Can we have open houses yet? Has inventory recovered from coronavirus lows? What don’t I know about buying a home in this environment?! Quite honestly, it may be a lot. But don’t worry, today Joe and Mike are here with the lowdown on Silicon Valley’s housing market. Topics include: Inventory & prices under Covid-19 Protocols for showing and buying …
 
As a result of the pandemic, many mortgage programs and guidelines have become more restrictive. This means those clients who were already pre-approved should be updating their approval to make sure they are still qualified. Those who are thinking they want to purchase a home need to start this process even sooner. Now more than ever it is very imp…
 
It’s strangely funny that the very same lenders that agreed to forbearances, are now coming back and saying they don’t want to finance you because of said forbearance, even though it’s been paid off. Getting loans from big banks is more about software and data than it is about banks placing a bit of trust in someone with a great idea or trying to m…
 
Way back in 2008, the government bailed out banks during the mortgage meltdown. While circumstances are not quite the same today, there are a few parallels that exist between the two. Low rates have been fueling this economy and the juice just keeps getting put on to keep things rolling. As a result, smaller banks are worried about repercussions as…
 
Longtime resident know California has changed a lot in a short amount of time. Making the decision to move can be tough, especially when you are looking outside of the state you have always called home. After 7 decades, Steve King and his wife are packing up and leaving their native California to the greener pastures of Carefree Arizona. Steve is n…
 
From the beginning of the COVID pandemic, people stayed home and refused to leave unless it was absolutely necessary. As a result, real estate suffered along with almost every aspect of the economy. Now that the economy is opening, people are cautiously settling into normal life as they go about their business. Will the market tick up with consumer…
 
During a recession, small businesses have the advantage of control large businesses have the advantages of large budgets or government backing. Caught in the middle of these businesses are companies that seem big, but are getting hammered by costs out of their control and don’t have the depth of major companies. Who is going to help these middle-ti…
 
This week I talk about what cash reserves are and why having them can benefit you and increase your ability to get a mortgage. With so much changing in the mortgage world, now more than ever you need to share this podcast. Want to explore your home buying options? Please reach out to my team and I. We will be happy to help you explore what options …
 
This week many cities across the US started phase 1 of relaxing restrictions and reopening the economy. It’s a big step towards normalcy that we have been looking forward to, even if there are new rules to follow. Council Member Johnny Khamis calls in today to talk about San Jose’s phase in, and the effect COVID-19 has had on business. Topics inclu…
 
Normally by now we are entering the thick of the buying and selling season and keeping a watchful eye on the market. Due to the current environment, many of us are only just beginning to settle back into something resembling normal life. You’ve likely seen more Sale Pending signs around the neighborhood, but what does that say about the market? Do …
 
Netflix, Facebook, Google – These are all companies deemed too big to fail. Ideally these companies grow based on infrastructure with fixed costs and are not reliant on fluctuating employee headcount. Where business loyalty keeps startups from going under, strong revenue coupled with conservative accounting and cash management will keep large busin…
 
This week I talk about why you need to continue to pay your rent. If you fail to continue to make your rent payments you may jeopardize your ability to get approved for a mortgage. Want to explore your home buying options? Please reach out to my team and I. We will be happy to help you explore what options may be available to you. You can reach us …
 
Every week brings something new to the way we buy and sell real estate. As always, we aim to provide you will all the current information you need to make educated decisions. Today Joe provides a quick snapshot of what is going on with Silicon Valley real estate and lending and its relation to COVID-19. Topics: All-time low lending rates and other …
 
With the recent changes in mortgage guidelines, it is extremely important that you update your mortgage pre-approval (if you were already pre-approved). Now more than ever, it is important that you are working a lender that knows what they are doing. If you need assistance, my team and I would love to help you. You can reach us at 616-931-4629 or o…
 
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