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.

Episode 114 of It's Real Podcast breaks down the latest Federal Reserve meeting, what it could mean for mortgage rates, and why homebuyers should focus on long-term affordability instead of chasing the lowest interest rate.

Kayla and Andrew also discuss why Minnesota, North Dakota, and South Dakota continue to rank among the best places to live, along with practical insights on today's housing market, working with trusted real estate professionals, and making confident financial decisions. Whether you're buying a home or following the latest real estate and mortgage trends, this episode is full of timely advice.

Episode 113 of It's Real Podcast explores what sets great real estate agents and mortgage professionals apart. Kayla and Andrew discuss real estate fraud, using AI responsibly, building stronger client relationships, and why asking better questions leads to better outcomes.

They also share lessons on leadership, maintaining high standards, choosing the right clients, and creating a better experience throughout the home buying and mortgage process. Whether you're a homebuyer, real estate professional, or business owner, this episode offers practical insights for building trust and long-term success.

Episode 112 of It's Real Podcast breaks down the latest housing market trends after the Fourth of July. Kayla and Andrew discuss mortgage rates, buyer uncertainty, why a true mortgage consultation matters more than a pre-approval letter, and how sellers should approach pricing in today's market.

They also cover county assessed values, strategies for selling unique and lake properties, limited mortgage rate-relief programs, and the growing role emotions play in real estate decisions. Whether you're a homebuyer, home seller, or real estate professional, this episode offers practical insights to help you navigate today's market with confidence.

Episode 111 of It's Real Podcast recaps the biggest lessons from the Hatch Real Estate Summit while exploring today's housing market. Kayla and Andrew discuss home affordability, consumer debt, why waiting to buy could become more expensive, and what real estate agents, mortgage lenders, and homebuyers should focus on in a changing market.

They also share practical insights on business growth, mindset, simplifying what matters most, and answer an unexpected real estate question about seller disclosures. Whether you're buying, selling, or building a career in real estate, this episode offers valuable perspectives for navigating today's market.

Episode 110 of It's Real Podcast explores the future of homeownership and the latest housing market trends. Kayla and Andrew discuss why qualifying for a mortgage is becoming more challenging, how changing income patterns are affecting homebuyers, and what the rise of AI means for real estate and financial decisions.

They also cover the growing changes in commercial real estate, investing opportunities, and the market forces shaping the future of housing. Whether you're buying, selling, investing, or following today's real estate market, this episode delivers practical insights to help you stay informed and prepared.

Episode 109 of It's Real Podcast explores the latest housing market trends and why the path to homeownership is changing. Kayla and Andrew discuss rising closing costs, parents helping with down payments, more young adults moving back home, and why many real estate agents are leaving the industry.

Whether you're a homebuyer, home seller, or real estate professional, this episode breaks down what these changes mean for today's market and how to navigate them with confidence.

Episode 108 of It's Real Podcast explores the mindset behind today's housing market. Kayla and Andrew discuss buyer uncertainty, affordability concerns, and why fear and assumptions often keep people from reaching their homeownership goals.

Through real client stories, they share practical advice for homebuyers, home sellers, and anyone navigating today's real estate market. The conversation also reflects on life after high school, lessons learned over the years, and encouragement for anyone starting a new chapter.

Whether you're planning to buy a home or simply looking for perspective on your next move, this episode offers practical insights and a reminder that you may be closer to your goals than you think.