It's Real

“Last photos don’t look like last photos.”

In Episode 124 of the It's Real Podcast, Kayla Kallander and Andrew Yaggie share a deeply personal conversation inspired by Kayla's DisruptHR talk, reflecting on the unexpected loss of her father and the importance of making time for the people who matter most.

They discuss life lessons, family, meaningful relationships, and difficult conversations, including why we shouldn't assume we know what someone else is going through and how asking better questions can change the way we connect with others.

Plus, in the spirit of Halloween, they explore spooky houses, witch windows, and real estate nightmares that homebuyers and homeowners should know about.

Tune in for a heartfelt conversation about life, loss, relationships, personal growth, and real estate, with a little Halloween fun along the way.

#ItsRealPodcast #LifeLessons #DisruptHR #RealEstatePodcast #HalloweenRealEstate

In Episode 123 of the It's Real Podcast, Kayla Kallander and Andrew Yaggie discuss rising mortgage rates, finding opportunities in a slower housing market, and how artificial intelligence (AI) is changing real estate, including new scams homebuyers and sellers should watch out for.

They also compare Midwest home prices with California real estate, discuss special assessments in Horace, North Dakota, and explore what buyers and sellers should consider when navigating today's housing market.

Plus, a little sugar beet harvest, dental work, Kayla's new pink phone, and the usual real-life conversations along the way!

Tune in for an honest conversation about mortgage rates, real estate trends, AI scams, home buying, and making informed decisions in today's housing market.

#HousingMarket #MortgageRates #RealEstateScams #AIinRealEstate #ItsRealPodcast

Is today's housing market really as challenging as the headlines suggest?

In Episode 122 of the It's Real Podcast, Kayla Kallander and Andrew Yaggie discuss current housing market trends, the potential impact of the "silver tsunami" on housing inventory, and what buyers and sellers should consider before making their next move.

They break down why some homes aren't selling, the importance of realistic pricing, and why choosing the right real estate agent and mortgage lender matters. They also explore why understanding your overall financial picture is more important than focusing solely on mortgage rates.

Plus, a quick recap of their trip to the Vikings game!

Tune in for a real conversation about housing inventory, home buying, home selling, mortgage rates, and finding opportunities in today's real estate market.

Episode 121 of It’s Real Podcast looks beyond the mortgage rate to what really matters when buying a home: your monthly payment, cash flow, and long-term affordability.

Andrew and Kayla also discuss tax-assessed value vs. market value, why accurate home pricing matters, and what buyers should understand before choosing a temporary rate buydown.

Tune in for practical homebuying tips, mortgage insights, and real estate conversations to help you make more informed decisions in today’s housing market.

Episode 120 of the It’s Real Podcast is live with Kayla Kallander and Andrew Yaggie!

This week, they break down what rising mortgage rates mean for homebuyers and why your interest rate is only one piece of the bigger financial picture.

They also discuss preparing for your next real estate move, why strong communication between buyers, real estate agents, and lenders matters, and the value of having experienced professionals in your corner.

Tune in for a real conversation about mortgage rates, home buying, real estate, and making informed financial decisions in today’s housing market.

Episode 119 of the It’s Real Podcast is all about navigating real estate—and life—when there isn’t always an obvious “right” answer. Andrew Yaggie and Kayla Kallander catch up on the start of a new month, new goals and family life before diving into what they’re seeing firsthand with buyers, sellers, financing and today’s changing market. From affordability challenges and deals falling apart to using home equity wisely and planning for a mortgage payment you can actually live with long term, this episode is packed with real-world conversations about making informed decisions instead of simply hoping everything works out.

In Episode 119, Andrew and Kayla discuss:

* Why some buyers are unnecessarily disqualifying themselves before ever talking with a lender
* The growing role of parents, gifts and co-borrowers in helping today’s buyers purchase homes
* Why more real estate contracts are falling apart—and how inspections, insurance and affordability are playing a role
* The importance of sellers understanding their true market value, goals and net proceeds
* Creative ways to use equity from the sale of a home instead of automatically putting every dollar into the next house
* When buying down an interest rate may—or may not—make financial sense
* Why “buy the house and refinance later” can be a dangerous plan if the numbers don’t work today
* The risks of temporary rate buydowns, adjustable-rate mortgages and assuming rates will fall
* Why buyers need to plan for future taxes, insurance, special assessments and changing household expenses
* The bigger financial literacy problem Andrew and Kayla see among consumers—and why being your own advocate matters
* Plus, September resets, back-to-school traditions, family goals and Andrew’s plans for building a new home

This week, Andrew Yaggie and Kayla Kallander are talking about what really matters when buying, selling, and financing real estate — and why the lowest mortgage rate isn’t always the best financial decision.

We’re digging into:
- Why buyers should look beyond the interest rate
- How homeowners can strategically use their equity
- Why mortgage options aren’t one-size-fits-all
- The importance of having experts — while still advocating for yourself
- How appraisals actually work and what happens after the report comes back
- Why a real estate deal isn’t done until it’s really done

Plus, Kayla shares insights from a recent HousingWire feature highlighting the importance of education and financial planning in today’s mortgage market.

Join Andrew Yaggie and Kayla Kallander LIVE for Episode 118 of the It’s Real Podcast — real conversations about real estate, money, and the things happening behind the scenes.

Episode 117 of the It’s Real Podcast is live with Kayla Kallander and Andrew Yaggie.

This week, they get into real estate, mortgages, and what it really takes to guide clients through today’s market. They discuss why the lowest advertised mortgage rate isn’t always the best deal, whether waiting for rates to drop could actually cost buyers, and the potential pros and cons of a 50-year mortgage.

They also talk about why good advice starts with understanding a client’s goals, the value of having the right real estate and lending professionals around you, and why experience, communication, and strong standards matter more than ever.

Plus, there’s a little summer lake life, flying, community events, and plenty of real-life conversation along the way.

Tune in to Episode 117 of the It’s Real Podcast for a candid conversation about mortgage rates, home buying, real estate, lending, and making smarter decisions in today’s housing market.

There’s no easy button in real estate.. or in life.

In this episode of the It’s Real Podcast, Kayla Kallander and Andrew Yaggie discuss where mortgage rates may be headed, why home equity is reaching record levels for many homeowners, and how AI is changing real estate and lending. They also talk about building stronger client relationships, asking better questions, and why you don’t have to work with everyone.

This episode is a candid conversation about navigating changing markets, demanding clients, and the reality that success in real estate, homeownership, and life comes from choosing your hard.

If you’re a homebuyer, homeowner, real estate agent, or mortgage professional, this episode offers practical insights on today’s housing market, mortgage trends, and long-term decision making.

In Episode 115 of the It’s Real Podcast, Kayla Kallander and Andrew Yaggie break down a surprising Truework homebuyer report that found 88% of recent homebuyers with a mortgage say a common financial setback could put their monthly mortgage payment at risk.

They discuss the difference between qualifying for a mortgage and comfortably affording a home, the hidden impact of rising housing costs and shared expenses, and why a mortgage pre-approval is only part of the home buying equation.

If you’re buying a home, refinancing, or planning your next move, this episode offers practical insight into home affordability, mortgage payments, and making a sustainable home buying decision.