Intelligent Equity

By Ryan Kiefer

The Intelligent Equity Podcast is for Consumers and Investors who are buying, refinancing or applying for remodeling loans. NMLS 581411... more

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FAQs about Intelligent Equity:

How many episodes does Intelligent Equity have?

The podcast currently has 26 episodes available.

Intelligent Equity episodes:

June 11, 2019Episode 06: Home Loan Options to Save You Money with Mike Ricketts
During this sixth episode of Intelligent Equity, host Ryan Kiefer welcomes Mike Ricketts, Senior Loan Officer at PrimeLending. Mike discusses the multitude of Ohio loan programs for first-time home buyers, including those best suited for home buyers with low credit scores. Mike also offers his expertise on how to find the best loan program to suit your specific needs and save you money.
Episode Highlights:
Mike Ricketts explains the Ohio Housing unassisted loan program, and how it provides below market interest rates
The qualifications for the Ohio Heroes loan program
Mike outlines the assisted loan program, and what the grant can be used for
The definition of a first-time home buyer
Ryan Kiefer highlights a popular myth surrounding who is eligible for first-time home buyer loan programs
The qualifications for the Ohio Housing Next Home loan program
Mike discusses the requirements for the down payment assistance grant to be forgiven
Who would benefit from the Ohio Communities loan program?
Mike Ricketts explains the loan programs that may be best suited for home buyers with low credit scores
Do the loan programs ever expire, or run out of money?
3 Key Points:
Ohio Housing unassisted loan programs provide access to below market interest rates, while assisted loan programs provide a grant payable towards down payment or closing costs.
There are a multitude of loan programs available to first-time home buyers in Ohio, but buyers need to investigate which companies offer what programs.
Some loan programs are seasonal, some run out of money, and some are available year round. The consumer will need to make sure to ask about what programs they may qualify for.
Resources Mentioned:
Linkedin: Ryan Kiefer
Mike Ricketts
...more
11min
June 04, 2019Episode 05: The Spring Purchasing Market with Otis Wellborn
During this fifth episode of Intelligent Equity, host Ryan Kiefer welcomes Otis Wellborn from eXp Realty in Cincinnati, Ohio. Otis talks to Ryan about the current status of the spring purchasing market, and offers his expertise on how to make the right offer on a home during such a competitive market.
Episode Highlights:
Otis Wellborn shares his background in how he transitioned from law enforcement to real estate
Otis describes the state of the spring purchase market right now
In the Mortgage Minute, Ryan explains the status of the different housing market ranges
Do at least 15-30 days of preparation when selling your house
Start early to get your mortgage loan pre-approval
Drive through the neighborhoods that interest you in the morning, afternoon, and night
3 Key Points:
Otis Wellborn made it into the Circle of Excellence in his first year in real estate.
The first-time buyer market in the $100-250,000 range is just under 3 months of inventory.
Resources Mentioned:
Linkedin: Ryan Kiefer
Otis Wellborn
...more
11min
May 28, 2019Episode 04: Making Your Fortune Through Real Estate with Erik Zimmerman
During this fourth episode of Intelligent Equity, host Ryan Kiefer welcomes Erik Zimmerman, Vice President, Broker, and Branch Manager at Comey & Shepherd Realtors. Erik shares how he became involved in real estate, how he was able to invest in multiple properties, and the reasons why you need to get involved in order to reach your financial goals.
Episode Highlights:
Erik Zimmerman’s background with real estate
What happened in Erik’s early real estate deals
What it costs to have the lifestyle you want to have
How many properties Erik bought based on his first property
If you want the rewards, you have to participate
Is this a good time to start investing in real estate?
Home prices have always gone up in any given 20-year cycle
One out of five homes in 2019 will be an investment property.
3 Key Points:
With multiple properties, you can use funds from successful ones to do upgrades on the ones with weaker returns.
You can’t buy your second place before you buy your first.
Buy properties nearby where you live when you are getting started to have familiarity.
Resources Mentioned:
Linkedin: Ryan Kiefer
Linkedin: Erik Zimmerman
Comey & Shepherd: Erik Zimmerman
...more
12min
May 21, 2019Episode 03: Buying and Selling Real Estate with Robert Smith
During this third episode of Intelligent Equity, host Ryan Kiefer welcomes Robert Smith, Realtor, Author, and Sales Associate at Coldwell Banker West Shell in Cincinnati, Ohio. Robert discusses the current pulse of the real estate market in Cincinnati, the inspiration behind his book, and strategies for both buyers and sellers to keep in mind.
Episode Highlights:
What inspired Robert Smith to write his book
The content people will find in the book
What Robert sees going on in the local Cincinnati, Ohio real estate market
The hottest real estate price range in Cincinnati
When a buyer should approach a lender
The advice that Robert Smith suggests to sellers
Market value is what someone is willing, and able, to pay
3 Key Points:
The current trend for people buying or selling a house is to go online.
The housing market in Cincinnati was down about 20% in January-February 2019, but is on fire again.
It is critical for buyers to become pre-approved by a lender before making an offer.
Resources Mentioned:
Linkedin: Ryan Kiefer
Coldwell Banker: Robert Smith
...more
9min
May 14, 2019Episode 02: The Millennial and Military Veteran Buyer with Ashok Ghildyal
During this second episode of Intelligent Equity, host Ryan Kiefer welcomes Ashok Ghildyal, Loan Officer at PrimeLending in Cincinnati, Ohio to discuss the intricacies of the first-time homebuyer’s market as it pertains to millennials and Resident VA loans.
Episode Highlights:
Ashok Ghildyal’s experience working with millennials
With millennials now buying houses later in life, what it means for the purchase market overall
How older generations of the 1950s and 1960s compare to millennials
Why Ashok is able to relate to veterans and soldiers
How Ashok got involved in Resident VA loans
Why VA loans are unique and valuable
3 Key Points:
There is a bigger millennial population than other generations.
Millennials are going to account for 40-50% of the market within the next five years.
If you take out the people that are below the age of 20, 1 out of every 12 adults is a military veteran.
Resources Mentioned:
Linkedin: Ryan Kiefer
Linkedin: Ashok Ghildyal
...more
10min
May 07, 2019Episode 01: What First-Time Home Buyers Need to Know with Steven Douglass
In today's episode we talk to our special guest, Steven Douglass from RE/MAX Time. He specializes in working with first-time home buyers, and discusses helping them through the home buying process, and also shares tips for other first-time home buyers.
Show Notes:
Steven talks about his background and how he got into real estate
He shares about working with first-time home buyers
First steps that first-time buyers should take
Steven shares about other significant processes in home buying, such as property inspection
3 Key Points:
First-time home buyers: Know what you can qualify for, and what you are looking for.
It's so important to have a local real estate agent to help you with the process, even with all the online "resources".
Timing is everything, and don't get discouraged.
Resources Mentioned:
Steven Douglass, RE/MAX Time
ryankiefer.com
...more
8min

FAQs about Intelligent Equity:

How many episodes does Intelligent Equity have?

The podcast currently has 26 episodes available.