The last several years the Bay Area experienced a strong sellers market. Currently the market is more level and everyone will need to adjust to these changes. So what can professionals and consumers do to put themselves in a better position? Joe discusses the best strategies for a buyer’s market.

• How to buy before you sell

• Leverage vs. liquidate

• Offering below asking price

• Buying down rates

• What agent and lender interviews should sound like

• Focusing too hard on the rates

When it comes to mortgages most of us are used to the traditional mortgage with the debt and liabilities sold to us by banks. As with everything time and technology are changing everything including your mortgage program. Today Joe and Mark Rogers discuss the home equity sharing program that allows home owners to access their homes wealth without debt.

• HELOC shock

• Big benefits of shared equity programs

• How shared equity works

• What about previous equity in the home?

• Program uses

Dealing with fraud has not only become part of your everyday life, it has become part of everybody’s internet presence. The internet has made the transfer of money so easy and quick that it may feel as if safety had taken a back seat to convenience. Today Joe and Jack Russo discuss online fraud and how small businesses owners can deal with it. Specific topics include:

• Banks baking in security

• Who is to blame?

• Fraud on the rise

• Safeguarding your business

It would be easy to say that this podcast is geared for the consumer, but today’s guest has grown an empire in the business accomplishing what many longtime professionals are still looking for. Jeff Cohn, founder of Elite Real Estate Systems, calls in to RERL to talk the market, coaching agents and more with Joe. Topics:

• Are we still in a good market?

• Technology consumers want and how it will change real estate

• Flipping houses

• Keys to success

• Jeff’s agent coaching program

Most Americans find most of their wealth tied up in their current residence, which poses major problem to those in need of money now. Convert equity into longtime income for retirement without having to sell your home. Today Joe and Steve Hotovec discuss how homeowners access capital from their home without incurring debt.

• Homeowners transferring risk to investors

• Ability to repay loans

• Buying down debt

• Estate planning

• Equity vs. debt –what’s the difference?

• Benefiting entr

Leaving for college is tough on every teen “adulting” for the first time. Matthew Decker is one of many people worldwide who are uniting their faith with their passion for sports through the Fellowship of Christian Athletes. Today Joe learns about coaches and athletes who empowered to pursue a life of Christ through sports. Topics:

• FCA’s impact

• Objective in the Bay Area

• Helping athletes flourish outside sports

• Helping others through coaching

• FCA outside high school and college

The last few years Joe and Mike saw hundreds of buyers lose out on offers due to the sheer insanity of the market. Today the market is less steamy and hopeful buyers finally have some options. Even if a consumer is a little short on the home they really want,some planning with your lender just might get you moving into your new home.

• Qualifying for more money

• Buying down the interest rate

• ARMs

• Non-occupant co-borrowers

• FHA

• Building your home

• Gift funds and equity sharing

By now you’ve gotten some cash flow coming and your deposits may have grown large enough that the bank will recognize you as a real company and offer you a secured line of credit! Without even realizing it you’ve made the bank a silent partner whose debt takes priority. So what does this situation look like for business owners and why can this be a good thing? Today Joe and Jack Russo explain what to do when the bank calls your business loan.

Hesitancy is affecting both sides of the market. The average time a home spends on the market is increasing and sellers now have to put a little effort into their sale to attract multiple offers. What is a buyer to do? Today Joe and Mike discuss creative solutions and strategies that can set buyers up for success.Topics

• Negotiations

• Home buyers vs. move up and move down buyers

• Buying without being forced to sell

• Cross-collateralization and pledging assets

• Afraid you won’t qualif

The hottest topic in real estate for the longest time was the extreme run up in appreciation. Today, after we all got comfortable with the seller’s market, all you seem to hear about is the shift towards a buyer’s market. Media has gotten consumers full of fear of the changing markets when instead it should be viewed as a new wave of opportunities. Do new real estate trends have you fearful of the changing market? Today Joe helps us embrace changes so we can make smart decisions for the future.