In this episode of the "People Not Titles Podcast," hosts Steve Kaempf and Matt Lombardi analyze the Federal Reserve’s recent interest rate cut amid rising inflation, a potential government shutdown, and labor market stagnation, while discussing AI’s impact on employment, major layoffs, and challenges facing real estate agents. They also review housing market trends, provide a Chicago market update, and touch on Zillow’s dominance and local community events.Federal Reserve Rate Cut and Market Reaction(00:00:00)

Economic Backdrop: Government Shutdown and Stagflation Concerns (00:01:27)

AI’s Impact on Labor Market and Fed’s Dilemma (00:05:04)

Corporate Layoffs and AI Investment (00:07:39)

Mandatory Realtor Membership Lawsuit Update (00:09:39)

Compass and Anywhere Acquisition: Brand Strategy (00:13:00)

Homebuyer Sentiment and Mortgage Rate Expectations (00:18:57)

Buyer and Seller Behavior: Market Standoff (00:20:16)

Inventory, Regional Trends, and Investor Activity (00:23:18)

Zillow’s Q3 Performance and Market Dominance (00:24:31)

Chicago Housing Market Update (00:28:37)

Chicago Market Affordability and Tax Issues (00:31:04)

Chicago Home Sales and Real Estate Taxes (00:32:11)

NFL Segment: Chicago Bears Win and Sports Talk (00:33:00)

Upcoming Events and Podcast Wrap-Up (00:34:15)

Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

In this episode of "People Not Titles," host Steve Kaempf interviews Jason Finn, VP of Lending at Key Mortgage Services, who shares his journey from data analytics to real estate and mortgage consulting. Jason discusses the challenges of starting over, the value of training, his passion for mentoring, and how his poker experience shapes his client relationships and commitment to integrity and community.

Introduction & Guest Welcome (00:00:00)

Consulting Career & Move to Chicago (00:01:07)

Transition to Real Estate (00:02:22)

Starting Over in Real Estate (00:03:33)

Building a Real Estate Career (00:05:25)

Keys to Success in Real Estate (00:07:07)

Decision to Move to Mortgage Lending (00:09:18)

Letting Go & Focusing on Lending (00:11:49)

Humility & Starting Over in Lending (00:13:01)

Choosing Key Mortgage Services (00:15:26)

Key Mortgage’s Lending Model (00:18:04)

Second Look Program & Client Benefits (00:20:37)

Relationship Building with Agents (00:23:00)

Extending Values Across Brands (00:25:28)

Social Media Influence & Marketing (00:27:00)

Abundance Mindset & Giving Back (00:30:10)

Poker Career & Windy City Poker Championship (00:33:31)

Poker Lessons Applied to Lending (00:40:21)

Scaling, Teamwork, and Personal Touch (00:43:03)

How to Connect with Jason Finn (00:45:39)

Closing Remarks (00:47:07)

Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

On the October 28th episode of "People Not Titles," hosts Steve Kaempf and Matt Lombardi discuss the U.S. government shutdown’s impact on real estate, the National Association of Realtors’ internal challenges, and why younger Americans are favoring stocks over homeownership. They also review Midwest market trends, share Halloween-themed real estate stats, and wrap up with sports talk and upcoming events.

**Government Shutdown Impact on Real Estate (00:00:00)

****Pending Home Sales and Economic Jitters (00:01:07)

****Absence of Federal Economic Data (00:02:41)

****Loan Processing Delays and Market Fluidity (00:03:12)

****NAR Working Group Formation and Purpose (00:04:28)

****Background and Motivation for the NAR Working Group (00:05:04)

****Brokerage Perspective and NAR’s Response (00:07:09)

****NAR Working Group Recommendations Overview (00:08:13)

****Clear Cooperation Policy Critique (00:09:13)

****Three-Way Membership Agreement Challenge (00:10:49)

****Financial Transparency and Restructuring (00:12:26)

****Independent Governance and Oversight (00:14:04)

****NAR’s Financial Reserves and Legal Exposure (00:16:05)

****Second Century Ventures and Member Benefits (00:18:31)

****NAR’s Response and Strategic Planning (00:21:34)

****Federal Reserve Meeting and Rate Cut Expectations (00:23:22)

****Young Americans: Stocks vs. Homeownership (00:24:57)

****Homeownership Costs vs. Renting (00:26:36)

****Generational Attitudes Toward Real Estate (00:27:48)

****Wealth Building and Real Estate (00:30:09)

****Barriers to Homebuilding and Housing Shortage (00:32:08)

****Coiled Spring Housing Market Thesis (00:34:33)

****Mortgage Rate Snapshot and Market Data (00:36:01)

****US Existing Home Sales and Inventory (00:36:40)

****Illinois Housing Market Update (00:40:27)

****Illinois Market Forecast (00:42:26)

****Wisconsin Housing Market Update (00:42:50)

****Haunted Houses and Homebuyer Attitudes (00:43:40)

****Podcast Announcements and Events (00:46:47)

****Chicago Bears and Sports Recap (00:47:41)

****Podcast Closing and Sponsor Message (00:49:22)

Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

In this episode, we interview real estate attorney Jill Daniels, who shares her journey from litigation to real estate law, her experience starting a virtual law firm, and the importance of teamwork, negotiation, and technology in her practice. We discuss industry changes, including commission structures, contract updates, and rising deal cancellations, while Jill emphasizes clear communication, agent value, ongoing education, and offers practical advice for real estate professionals navigating a rapidly evolving market.**Introduction & Episode Overview (00:00:00)

****Jill’s Career Break & Return (00:01:01)

****Work Withdrawal & Side Ventures (00:02:35)

****Re-entering Law & Real Estate Shift (00:03:23)

****Reflections on Career Pause (00:03:58)

****Appeal of Real Estate Law (00:05:34)

****Starting Her Own Firm (00:06:07)

****Litigation Skills in Real Estate (00:07:32)

****Building a Virtual Team (00:09:26)

****Virtual Office & Team Communication (00:12:33)

****Standard Operating Procedures & Feedback (00:14:24)

****Community Involvement & Industry Support (00:16:13)

****Broker Commissions & Buyer’s Agent Value (00:18:08)

****Commission Statements & Transparency (00:21:26)

****Contract 8.0 Changes & Challenges (00:22:30)

****Rising Contract Cancellations (00:26:29)

****Vision for the Firm & New Services (00:30:26)

****Client Resources & Social Media (00:32:33)

****Personal Practices & Gratitude (00:34:05)

****Closing Remarks (00:35:52)**

Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

In this episode of we discuss major real estate trends, including where the Fed is heading with rates, Howard Hanna’s Manhattan expansion, industry consolidation, and the importance of local expertise. We also highlight upcoming events, new tools like Real Trends Verified, HomeSmart’s rebranding, and wrap up with details on the next Real Estate Investor eventsFull episodes available at www.peoplenottitles.com

Federal Reserve Meeting & Government Shutdown (00:00:00)

Jerome Powell’s Comments & Inflation (00:02:19)

Wisconsin & Midwest Real Estate Market (00:06:02)

RealTrends Verified Agent Rankings Launch (00:10:26)

HomeSmart’s New Brand Identity (00:15:34)

Howard Hanna’s Expansion into Manhattan (00:17:33)

Upcoming Industry Events & CLEs (00:22:08)

Chicago Bears & Sports Recap (00:24:25)

Podcast Closing & Sponsor Shoutout (00:26:51)People, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

On the October 13th episode of "People Not Titles," hosts Steve Kaempf and Matt Lombardi discuss the ongoing U.S. government shutdown’s effects on housing, major legal news including antitrust lawsuits against Zillow, Redfin, and brokerages, a new mortgage price-fixing case, Zillow’s ChatGPT integration, investor trends, and Chicago’s Central Area Plan for 2045. The episode emphasizes the importance of staying informed amid rapid industry changes.**Podcast Introduction (00:00:00)****Casual Banter & Episode Setup (00:00:23)****Zillow & Redfin FTC Lawsuit (00:00:57)****Gibson Lawsuit & Real Estate Settlements (00:10:42)****Zillow vs. Compass Legal Battle (00:14:46)****Mortgage Price-Fixing Lawsuit (00:17:26)****Zillow ChatGPT Integration (00:22:48)****Investor Activity in Housing Market (00:24:56)****Chicago Central Area Plan 2045 (00:29:21)****Other News & Announcements (00:33:47)****Podcast Closing & Sponsor Message (00:36:06)**Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

In this episode of "People Not Titles," Steve Kaempf and Matt Lombardi discuss the end of the U.S. government shutdown and its positive impact on real estate market confidence, as well as former President Trump’s proposal for a 50-year mortgage to boost housing affordability. They also analyze a class action lawsuit against Zillow, the appointment of a Chief Data Officer at the National Association of REALTORS®, and the effects of a K-shaped economy on different market segments.

Government Shutdown Resolution and Market Impact (00:00:00)

Details of the Shutdown Deal and Next Steps (00:01:14)

Psychological and Market Effects of Shutdown (00:02:41)

Trump’s 50-Year Mortgage Proposal Overview (00:03:41)

Potential Benefits and Psychological Impact of 50-Year Mortgages (00:05:19

)Legal Hurdles and Market Implications of 50-Year Mortgages (00:08:32)

Zillow Class Action Lawsuit: Alleged Kickbacks (00:12:28)

Bundled Services and Consumer Harm Concerns (00:13:39)

Zillow’s Super App Strategy and Legal Context (00:15:38)

NAR Appoints First Chief Data Officer (00:19:32)

K-Shaped Economy and Real Estate (00:23:03)

Chicago’s Luxury Housing Market Hits Record (00:28:56)

NAR Profile of Home Buyers and Sellers: Key Trends (00:32:24)

Demographic Shifts and Opportunities for Agents (00:34:37)

Repeat Buyers and Market Motivators (00:35:25)

Neighborhood Quality and Home Search Trends (00:36:12)

Longer Homeownership Tenure and Market Effects (00:37:31)

Generational Market Trends: Gen Z and Affluent Buyers (00:39:00)

Land Trust Title News and Veterans Day Shoutout (00:39:46)

Chicago Bears and Local Sports Update (00:41:02)

Podcast Closing and Call to Action (00:41:48)

Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

In this episode of "People Not Titles," host Steve Kaempf interviews Joey Hamel, a real estate attorney at DKMO Law in Arlington Heights, who shares her journey into law, her experiences in various legal fields, and her focus on real estate. Joey discusses her firm’s collaborative culture, the importance of networking, adapting to industry changes, balancing career with family life, and her holistic approach to client service and professional growth.Joey’s Early Inspiration to Become an Attorney (00:00:07)Gap Year and Law School Decision (00:01:51)Discovering Legal Career Preferences (00:02:39)Law School Challenges and Support (00:05:08)Transition to Networking and Building a Brand (00:18:08)Supportive Environment at DK Mo Law (00:20:16)Comprehensive Legal Services at DK Mo Law (00:22:32)Efficient Teamwork and Client Service (00:24:04)Impact of NAR Settlement and Industry Changes (00:25:24)8.0 Contract and Market Adaptation (00:28:08)Joey’s Personal Brand and Expertise (00:29:31)Work-Life Balance and Self-Care (00:32:26)Soccer and Family Activities (00:34:08)Vision for the Future and Team Mentality (00:35:29)Closing Remarks and Podcast Wrap-Up (00:38:03)Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

In this episode of the "People Not Titles Podcast," hosts Steve Kaempf and Matt Lombardi analyze Compass’s $16 billion acquisition of Anywhere Real Estate, discussing the lengthy closing timeline, regulatory scrutiny, and potential impacts on agents such as office consolidations and layoffs. They urge agents and leaders to reassess their positions amid this significant industry shakeup.Introduction & Episode Overview (00:00:00)Compass Acquisition of Anywhere Real Estate (00:00:46)Regulatory Scrutiny and Monopoly Concerns (00:01:55)Market Reaction to the Merger (00:02:57)Impact on Agents and Merger Timeline (00:04:52)Advice for Agents and Leadership (00:06:07)Implications for NAR (National Association of Realtors) (00:06:56)Broker Public Portal Rebrands as Caribou (00:08:36)National Association of Hispanic Real Estate Professionals (NAHREP) 25th Anniversary (00:12:18)NAR Executive Hire: Amanda Whitehead (00:15:02)Competition Among Real Estate Events (00:17:18)Chicago Coach House Legislation (00:18:30)Mortgage Rate Snapshot (00:23:14)National Market Stats – August 2025 (00:24:01)Buyer Trends and Investor Activity (00:25:30)Chicago Metro Market Stats – August 2025 (00:27:21)Wisconsin Market Stats – August 2025 (00:28:30)New Home Sales Surge (00:29:06)Potential Government Shutdown (00:31:52)Chicago Sports Update: Cubs and Bears (00:32:49)Podcast Announcements & Closing (00:35:14)Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

In this episode of "The People That Titles Podcast," hosts Steve Kaempf and Matt Lombardi discuss Compass’s acquisition of Anywhere Real Estate, exploring its impact on private listings, agent empowerment, and brand integration. They also cover the Federal Reserve’s recent interest rate cut, the “Saving the American Dream Act,” and insights on NAR’s new leadership.

Compass Acquires Anywhere Real Estate (00:00:00)

Market Reacti0n and Deal Details (00:01:30)

Leadership Comments and Brand Integration (00:03:00)

Private Listings Debate (00:04:00)

Agent Empowerment and Company Culture (00:05:49)

Brand Legacy and Agent Decisions (00:06:50)

Federal Reserve Rate Cut (00:08:00)

Economic Factors and Mortgage Rates (00:08:53)

Saving the American Dream Act (00:11:23)

Industry Support and Government Modernization (00:13:10)

NAR CEO Nakia Wright’s Vision (00:14:09)

NAR Advocacy and Member Support (00:17:01)

Communication Challenges and Looking Ahead (00:19:08)

American Real Estate Association Growth (00:20:47)

Zillow Lawsuit: Flex Referral Program (00:22:51)

Alleged Buyer Deception and Commission Impact (00:24:19)

Zillow’s Response and Industry Impact (00:25:29)

NAR 2025 Technology Survey Highlights (00:26:49)

AI and Technology Adoption in Real Estate (00:30:13)

Cryptocurrency in Real Estate (00:31:46)

NAR Membership and Technology’s Future (00:32:44)

Podcast Guest: Mike Anselmo Interview (00:33:57)

Chicago Sports Recap: Bears, Browns, Cubs (00:34:18)

Podcast Closing and Sponsor Message (00:36:49)

Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...