Closing the Deal

In Episode 6 of Saturday Talks, Zach checks in from Ohio while Sam reports live from sunny Florida — and the boys go full golf sicko mode. Sam breaks down his upcoming round at PGA’s Port St. Lucie resort, compares Florida vs. Ohio golf conditions, and previews the courses the duo will play during their December Florida trip and next summer’s French Lick golf weekend.

The conversation shifts into real football — starting with a deep, honest breakdown of the Buckeyes heading into The Game. Concerns, confidence levels, matchup specifics, game-plan philosophy, and final score predictions are all on the table.

Then Zach unleashes a passionate rant about the Cincinnati Bengals front office, player development failures, draft misses, and the fear that they might waste Joe Burrow's prime. The NFL as a whole gets the Saturday Talks treatment too — surprises, disappointments, and fantasy heartbreak.

A full hour of golf, college football, NFL chaos, and classic Zach/Sam energy. Go Buckeyes & happy Saturday!

00:00 – PGA National vs. Port St. Lucie

Sam explains discovering the second PGA resort, course layouts, Pete Dye design, and what makes Florida golf different.

02:40 – Florida Weather, Bermuda Grass & Course Conditions

The boys compare Bermuda vs. bent grass, grain, tight lies, and how Florida turf changes your game.

06:50 – Practice Routines & Pre-Round Warmups

GPS carts, range time, short-game areas, and how not to “work on your swing” minutes before teeing off.

09:00 – Florida Golf Season, Rates & Budget-Friendly Courses

Migration season pricing, hidden gems, Hammock Creek, Jack Nicklaus designs, and finding value.

12:30 – Upcoming Golf Trips (December & August French Lick)

Planning the Jupiter trip, playing The Park, and the 8,000-yard monster at French Lick.

14:30 – Throwback to 2022 Florida Trip & Course Stories

North Palm Beach Country Club wind horror stories & balloon-ball drives into the pond.

17:20 – Traveling Your Golf Game & Mental Approach

Not psyching yourself out, avoiding “new course syndrome,” and focusing on fundamentals.

20:15 – Friendly Competition & 2026 Handicap Talk

Strokes or straight up? Florida grinding? Simulator memberships? The ongoing rivalry continues.

24:45 – Transition to Ohio State vs. Michigan Talk

The emotional shift: Rutgers, injury news, Jeremiah Smith limping, and Ryan Day’s secrecy.

25:55 – Can Ohio State Win? Honest Breakdown

Why Michigan always plays Ohio State differently, OSU’s offensive identity, concerns, and why the fanbase is scarred.

30:20 – Keys to Victory & Game Plan Philosophy

Why OSU must throw 50 times, avoiding the run-heavy trap, and why last year still hurts.

35:50 – Final Score Predictions

Sam: 31–10 Ohio State

Zach: 24–10 Ohio State

(With emotional hedge discussion.)

39:10 – Zach’s Cincinnati Bengals Rant of the Year

Front office incompetence, draft failures, development issues, and fear of wasting the Joe Burrow window.

43:00 – NFL Surprises & Letdowns

Bills regression, Texans wins, Browns chaos, and coaching seats warming up.

45:40 – Fantasy Football Disaster Update

Playoff odds, bad draft takes, “Triple Crown” misses, and trying to avoid dead last.

47:45 – Closing Thoughts & Next Episode Preview

Thanksgiving wishes, Go Buckeyes, and teasing a future full-golf episode after the Florida swing.

Buying a home rarely goes exactly according to plan — and that’s why we’re back with Part 2 of our “What If?” Series, covering the real-life scenarios buyers face and how to handle them without losing your deal, your timeline, or your sanity.

In this episode, Sam and Zach break down four of the most common (and most stressful) “what ifs” in the home buying process:

• What if you change jobs during the loan process?

• What if the home inspection finds major issues?

• What if the previous buyer backed out?

• What if you fall in love with a home before you're pre-approved?

From job changes and income verification… to inspection negotiations… to back-on-market opportunities… to the dangers of rushing into a home before pre-approval — this episode gives you the blueprint for staying prepared and confident.

If you’re a first-time buyer, this is must-watch guidance from a real estate agent + lender team who have seen every scenario in the book.

New episodes every week — subscribe so you don’t miss Part 3 of the What If series.

00:00 — Intro: Why We Love the What If Series

Setting the stage for real-world buyer scenarios.

00:54 — Why These Scenarios Matter

How unexpected situations pop up during the home-buying process and why preparation matters.

02:35 — What If I Change Jobs During My Loan Process?

How job changes affect pre-approval, income verification, and underwriting timelines.

08:29 — Real Example: Borrower Changed Jobs Without Telling the Lender

Why communication is critical during underwriting.

09:29 — What If My Home Inspection Finds Major Issues?

Breaking down roof problems, foundation issues, HVAC failures, and negotiation strategies.

16:15 — Sellers DO Sometimes Fix Major Problems

A real waterproofing example and why sellers often address big-ticket repairs to keep a deal alive.

19:35 — What If the Buyer Before Me Backed Out?

Why homes go back on market and how to identify whether it’s a red flag or an opportunity.

21:37 — Inspections, Repairs & Second-Chance Opportunity

How sellers often fix issues highlighted by previous buyers.

23:38 — Why Back-on-Market Homes Can Be Hidden Deals

Price reductions, credits, repairs, and buyer leverage.

24:59 — What If I Love a Home Before My Pre-Approval Is Ready?

Why buyers get emotionally ahead and why pre-approval should come first.

27:54 — Why Pre-Approvals Aren’t Always Instant

Documentation, income complexity, credit challenges, and realistic timelines.

30:27 — The Danger of Shopping Without Knowing Your Budget

Why you shouldn’t tour homes without knowing your numbers.

32:14 — Final Thoughts + Preparing for Part 3

Closing recap and a tease of the next What If installment.

Buying a home is stressful enough — but when your realtor and lender aren’t working together, it can cost you time, money, deals, and peace of mind.

In today’s episode of Closing the Deal, Zach and Sam break down why your lender + realtor MUST operate as a true team from pre-approval all the way to the closing table. We cover real examples, contract strategy, communication breakdowns, and how buyers can assemble their dream team to win in today’s market.

Whether you're a first-time homebuyer, actively house-hunting, or planning your next move, this episode gives you the blueprint for choosing the right professionals and avoiding the most common deal-killers.

🔑 In This Episode You’ll Learn:

Why lender–realtor teamwork is the competitive advantage buyers overlook

How communication (or lack of it) directly affects closing timelines

Real-world examples of deals saved by collaboration

Warning signs your team is NOT on the same page

How to vet lenders and agents so you’re protected and confident

Why experience + chemistry matter more than you think

00:00 — Why Your Realtor & Lender Need To Be a Team

00:29 — Saturday Recording Vibes & Life Updates

01:10 — Golf Sacrifices & Getting Back on Schedule

02:09 — Today’s Topic: Teamwork in the Homebuying Process

03:31 — Sports Analogy: Talent vs. Team Chemistry

04:24 — How a Weak Link Hurts the Entire Transaction

05:35 — What “Connection” Between Lender & Realtor Actually Means

07:10 — Examples of How Poor Communication Kills Deals

08:41 — Why a Cohesive Unit Wins in Homebuying

09:20 — Collaboration During Offers: Closing Dates, Strategy, and Timing

11:10 — How Communication Strengthens Your Offer

12:20 — Real Examples: Sellers, Timelines & Competitive Offers

14:30 — When Buyers Forget Key Info Without a Team in Place

15:27 — Best Deals Happen When Your Team Talks Daily

15:52 — What It Feels Like When Your Team Isn’t Communicating

17:20 — Why Buyers End Up Confused & Stressed

19:02 — You’re the One Who Pays the Price for Miscommunication

19:49 — How to Build Your “Dream Team” (Vet Your People!)

22:00 — Why Communication Is Sam’s Bread & Butter

23:38 — Integrity > Everything: Choose People Who Actually Care

24:59 — The Value of Proven Chemistry Between Your Professionals

25:47 — Getting You to the Finish Line Smoothly

26:24 — Final Thoughts: Building Your Homebuying Team

In this solo episode, Sam Enright takes listeners behind the curtain of what a loan officer really does — beyond just quoting rates. From that very first introductory call to the emotional moment when clients get their keys, Sam walks through the full journey of the lending process. He explains how loan officers structure deals, communicate with realtors and underwriters, solve problems, and guide borrowers every step of the way.

Sam also gets personal about the emotional rewards and challenges of the job — the satisfaction of helping families achieve homeownership, the problem-solving under pressure, and the human stories that make lending more than just numbers on a page.

Whether you’re buying a home, working with a lender, or even considering a career in lending yourself, this episode gives you an authentic look at the day-to-day reality behind the mortgage process.

⏱️ Chapters

00:00 – Introduction & Episode Setup

02:10 – Why the Role Is Misunderstood

04:30 – Step One: The Introductory Call

07:15 – Asking the Right Questions

10:00 – The Pre-Approval Process

13:45 – Behind the Scenes: Structuring the Loan

17:30 – Processing and Underwriting

21:15 – Problem-Solving and Communication

23:45 – The Emotional Side of the Job

25:30 – Reflections and Closing Thoughts

Buying a home? Don’t get blindsided by the hidden fees at the closing table. In this episode of Closing the Deal, hosts Zach Dickson and Sam Enright break down everything you need to know about closing costs — from what they actually are, to how they’re calculated, who pays what, and how to reduce them.

Whether you’re a first-time homebuyer or just haven’t bought in a while, this episode will help you feel confident when it’s time to sign those final papers.

🔑 What You’ll Learn:

• What makes up your total closing costs
• How much to expect and when they’re due
• How to negotiate seller concessions or lender credits
• Which parts are actually negotiable
• How to plan ahead and save for your down payment + costs
• Why having a trustworthy lender and agent matters

💡 BONUS: We walk through a real-world example on a $250,000 home, showing exactly how fees, credits, and escrows come together.

If you’re preparing to buy, this is the episode that could save you thousands.

00:00 Intro

02:30 What Are Closing Costs?

05:30 Why They Exist

07:30 The Value Behind the Fees

10:00 Breaking Down the Costs

13:30 Title Work & Prepaids

16:30 Buyer Agent Commissions Update

18:00 Example: $250,000 Purchase Breakdown

25:00 Who Pays What

28:00 Negotiating Seller Concessions

30:30 Lender Credits & Assistance Programs

36:00 Saving & Preparing for Closing

38:30 Setting Expectations with Your Lender

43:00 How to Shop Insurance and Negotiate Strategically

46:00 Final Thoughts

This week’s Saturday Talks is exactly what it should be — laid-back, real conversation about life right now as we head into the winter season. We get into sleep and recovery (and how WHOOP has actually changed the way we think about our bodies), why fantasy football psychology is unhinged, upcoming golf trips, wedding planning updates, and making it through Ohio winters without losing our minds.

Tune in, hang out, and let us know what your league is doing with trades… because ours? Yeah. Not great.

Watch | Listen | Subscribe — New episodes every week.

00:00 Cold Mornings & Sleeping Temp Preferences

02:00 The WHOOP Sleep + Recovery Deep Dive

05:00 Journaling Behaviors & Optimizing Rest

08:00 The Disclaimer: We Are Not Scientists

09:10 Now We’re Cooking — Fantasy Football Frustrations

14:00 The Psychology of Trades & Risk Aversion

18:30 Waivers, Injuries, and Roster Management

21:00 Blood Pressure Rising 😅

22:10 Wedding Planning Update

26:00 Booking the Myrtle Beach Bachelor Golf Trip

29:30 Winter Golf Plans & Dormant Bermuda Season

33:00 Escaping Cold Weather — Mexico + Florida Trips

36:30 Holidays, Family, & Life Balance

40:20 The Chillest Saturday Talks Yet — Wrap Up

Your offer got accepted — congrats! 🎉 But the hard part isn’t over yet. In this week’s episode of Closing the Deal, Zach and Sam walk you through everything that happens between “offer accepted” and getting your keys.

From inspections and appraisals to underwriting, clear to close, and that final walkthrough — this is your complete 30-day roadmap to closing on your new home without surprises.

Whether you’re a first-time buyer or just haven’t been through the process in a while, this episode gives you real-world insight into what actually goes on behind the scenes.

💡 In this episode:

• The truth about what “offer accepted” really means
• What happens in your first 5 days after acceptance
• How to handle inspections, appraisals & low values
• The behind-the-scenes of underwriting & “clear to close”
• What to expect at your final walkthrough and closing day

🏡 Watch before your next home purchase — this episode could save your deal.

00:00 – Intro: “You got your offer accepted — now what?”

00:31 – Why most buyers think the hard part is over

01:04 – What actually happens right after your offer is accepted

02:50 – The first 5 days: home inspections & early steps

04:03 – What to look for in an inspection (and what’s normal)

07:45 – Why small issues aren’t deal breakers — and what is

08:20 – The lender’s side: disclosures, updated documents, and next steps

10:10 – Inspection vs Appraisal: key differences buyers miss

13:00 – What happens when the appraisal comes in low

16:45 – Negotiating short appraisals and finding middle ground

19:13 – Why buyers usually have leverage in appraisal disputes

20:25 – Underwriting explained: how your file gets reviewed

23:30 – What “clear to close” really means

25:30 – Final walkthroughs and what can go wrong

29:20 – Real story: when a buyer walked away on walkthrough day

31:23 – Closing day details: signing, funding, and possession

34:59 – What to do after closing: utilities, mail, and insurance

36:19 – Be patient — the process takes time for a reason

37:48 – The biggest key: communication between all parties

38:29 – Wrap up: from contract to keys — the full homebuying roadmap

What’s the smartest way to invest $500,000 in real estate?

In this solo episode of Closing the Deal, Zach breaks down two powerful strategies for building wealth through property:

1️⃣ Buying 10 single-family homes using leverage to scale quickly

2️⃣ Investing in one industrial property for long-term appreciation and stability

Zach explores how your stage of life and risk tolerance should shape your investing approach — whether you’re chasing growth or protecting your retirement. He also dives into the math behind each strategy, the pros and cons of leverage, and why industrial real estate might be the most recession-resistant play on the market.

🎧 In this episode, you’ll learn:

Why leverage accelerates growth — but also increases risk

How industrial investing offers low-risk, long-term appreciation

The trade-offs between cash flow, scalability, and security

How to align your real estate strategy with your life stage

💬 Comment below: Would you rather own 10 leveraged homes or 2 free and clear?

🎙️ Hosted by Zach Dickson — Realtor, investor, and co-host of Closing the Deal.

👉 Subscribe for weekly insights on building wealth, real estate investing, and market strategy.

⏱️ Chapters

00:00 — What would you do with $500K in real estate?

01:00 — Welcome to Closing the Deal (solo episode intro)

02:30 — Why real estate investing creates millionaires

04:00 — How Zach would invest $500,000

06:00 — Option 1: The single-family route

08:15 — Why location matters more than anything

10:00 — Breaking down the numbers: $500K all cash vs. leveraged

13:00 — The power (and risk) of leverage

16:00 — Comparing cash flow: 2 homes vs. 10 homes

18:30 — Option 2: Investing in industrial property

21:00 — Why tech drives industrial demand

24:00 — The appreciation-focused strategy

27:00 — Why industrial is recession-resistant

29:00 — Using equity to scale your portfolio

31:30 — Risk and lifestyle: match your strategy to your stage of life

34:00 — Young investors vs. retirees: different risk profiles

36:00 — Final thoughts: building wealth through real estate

37:30 — Outro: How would YOU deploy $500K in real estate?

Refinancing might sound like free money—but is it always the smart move? In this episode of Closing the Deal, Zach and Sam break down the truth about refinancing in today’s market. With the Fed cutting rates, marketing emails flooding inboxes, and homeowners eager to lower their payments, it’s more important than ever to know when refinancing saves you thousands—and when it could actually cost you more.

We cover the pros and cons, when refinancing makes sense, costly mistakes to avoid, and how to calculate your breakeven point. Whether you’re considering cashing out equity, removing PMI, consolidating debt, or just chasing a lower rate, this episode will give you the clarity you need before signing on the dotted line.

👉 If you’re curious about refinancing or want to know if now’s the right time for you, tune in and learn how to make the numbers work in your favor.

Chapters: 00:00 – Intro: Is refinancing really free money?

02:14 – Why refinancing is a hot topic right now

04:43 – Interest rate history and Fed cuts explained

07:37 – What refinancing actually is (definition & reasons)

10:22 – The main reasons people refinance (lower rate, cash-out, PMI removal)

16:15 – When refinancing makes sense (breakeven point, savings, FHA to conventional)

22:53 – The hidden costs of refinancing

23:16 – When refinancing is a mistake (extending loan terms, cash-out splurges)

28:49 – Biggest mistake: resetting your loan clock

28:49 – How to decide if refinancing is right for you (running the numbers, break-even math)

34:00 – Why Fed cuts don’t equal lower mortgage rates

36:40 – Final thoughts: Refinancing is nuanced, not one-size-fits-all

38:40 – Wrap-up & closing

Thinking about buying a home but not sure whether to go for a fixer upper or pay more for a move-in ready property? In this episode of Closing the Deal, Sam Enright and Zach Dickson break down the pros, cons, and buyer profiles for both options.

We cover everything from building sweat equity and personalization, to the risks, hidden costs, and lifestyle trade-offs of each choice. Whether you’re a first-time homebuyer, investor, or just exploring your options, this conversation will help you decide what makes the most sense for your goals, budget, and timeline.

If you’re planning to buy your first home — or just want to understand today’s housing market better — this episode is for you.

👉 Subscribe for more real estate insights, homebuying tips, and strategies to help you close the deal.

00:00 – Intro: Dream home, fixer upper or move-in ready?

02:13 – What defines a fixer upper vs. move-in ready home

05:16 – The case for fixer uppers: lower price, sweat equity, personalization

10:56 – Hidden risks & retail costs of fixer uppers

12:42 – Stress, time, and real-life renovation challenges

17:03 – Do you want a project or a home?

17:38 – Real-life example: equity gains from a fixer upper

19:00 – The case for move-in ready homes: convenience & peace of mind

21:05 – Competition and predictable costs of move-in ready homes

23:36 – Cookie-cutter rehabs & customization limits

24:14 – Avoiding unfinished projects & getting your time back

27:38 – Who should buy a fixer upper? Handy buyers & investors

29:34 – Why upfront cash reserves matter for fixer uppers

31:33 – Financing options for renovations (teaser for future episode)

31:58 – Who should buy move-in ready: busy people & short-term owners

32:48 – Lifestyle fit: time, stress, and priorities

34:11 – Final takeaway: It’s not just about the house, it’s about you

36:25 – Closing thoughts and advice