🚀 Foreclosure isn't your only option. If you're behind on your mortgage, understanding your options early could save your credit, your finances, and your future.

In this episode, Tim Lockhart sits down with distressed real estate specialist John Culbertson, who shares over 30 years of experience helping homeowners navigate short sales, loan modifications, and foreclosure alternatives. They explain why banks often prefer short sales, what happens after you miss mortgage payments, and why taking action early gives you the most options.

🎧 Hosted by: Tim Lockhart

👤 Guest: 🏡 John Culbertson – Distressed Real Estate Specialist 

John Culbertson is a distressed real estate specialist with over 30 years of experience navigating short sales, pre-foreclosure solutions, and financial hardship strategies. He collaborates with Realtors, investors, and attorneys to structure practical, high-impact solutions for complex real estate transactions.

💡 What You’ll Learn:

✔️ The real difference between a short sale, foreclosure, and deed in lieu - and which one protects your credit

✔️ Why banks often lose less money on a short sale and are motivated to negotiate

✔️ How long you realistically have after missing a payment (and how fast that window closes)

✔️ What to do the moment a notice of trustee sale arrives, even with just three weeks left

✔️ Whether you'll owe taxes or face a deficiency judgment after a Texas short sale

✔️ How to build the right team - realtor, attorney, tax advisor - before you negotiate 

🎮 Watch now for expert insights!

📄 Free Resource

Download John's FREE 30-Day Preforeclosure Action Plan:

👉 https://lp.constantcontactpages.com/sl/a0W1U1w

This step-by-step checklist will help homeowners organize important documents, understand their available options, and prepare for conversations with lenders, REALTORS®, and legal professionals.

💼 Connect with John Culbertson:

📘 Facebook → https://www.facebook.com/profile.php?id=61591315328474

📄 Request John's 30-Day Preforeclosure Action Plan directly or download it using the free link above

🎧 Follow Tim Lockhart:

🌐 Website → https://timlockharthomes.com/

📸 Instagram → https://www.instagram.com/tim.lockhart.18/

🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

#FallsHomeFront #TimLockhart #WichitaFallsRealEstate #NorthTexasRealEstate #MilitaryRelocation #VALoans #KellerWilliams #VeteranRealtor #TexasRealEstate #MilitaryFamilies 

🚀 Should you renovate your current home or start fresh with a new one? In this episode of The Falls Home Front, host Tim Lockhart sits down with Cameron Turnquist, owner of Arrowhead Builders, to discuss the financial and lifestyle benefits of remodeling, how to choose the right contractor, and why preventative home maintenance can save homeowners thousands of dollars. Cameron also shares his journey from Plano to Wichita Falls, his passion for craftsmanship, and practical advice for anyone planning a renovation or custom home project.

🎧 Hosted by: Tim Lockhart

👤 Guest: 🏡 Cameron Turnquist – Owner, Arrowhead Builders

Cameron Turnquist is the owner of Arrowhead Builders LLC in Wichita Falls, Texas. With 15 years of residential construction experience, he specializes in custom homes, speculative builds, and large-scale renovations, bringing premium craftsmanship and hands-on local expertise to every design-build project.

💡 What You’ll Learn:

✔️ When remodeling makes more financial sense than moving

✔️ Which home improvement projects deliver the best return on investment

✔️ How to choose the right contractor and avoid costly mistakes

✔️ Why preventative home maintenance protects your biggest investment

✔️ What the design-build process is and why it simplifies remodeling projects

✔️ How Wichita Falls' housing market is shaping future remodeling trends

🎵 Whether you're an investor, agent, or homeowner planning your next renovation, this episode offers valuable insights!

💼 Connect with Cameron Turnquist:

🌐 Website → http://arrowheadbuilderswf.com/

📸 Instagram → https://www.instagram.com/camturny/

📘 Facebook → https://www.facebook.com/cameron.turnquist/

🔗 LinkedIn → https://www.linkedin.com/in/cameron-turnquist-5a8989162/

🎧 Follow Tim Lockhart:

🌐 Website → https://timlockharthomes.com/

📸 Instagram → https://www.instagram.com/tim.lockhart.18/

🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

🚀 Buying a home is one of the biggest financial decisions you'll ever make—but are you aware of the hidden risks that a standard home inspection may miss? In this episode of The Falls Home Front, host Tim Lockhart sits down with Albert Slap, President and Co-Founder of Risk Footprint, to discuss how natural hazards, flood risks, hail, tornadoes, hurricanes, and other environmental factors can impact your investment. Learn why due diligence should begin before signing a purchase agreement and discover practical ways homeowners can better protect their properties.

🎧 Hosted by: Tim Lockhart

👤 Guest: Albert Slap – President & Co-Founder, Risk Footprint

Albert Slap is the President and Co-Founder of RiskFootprint™, a geospatial technology and risk-analytics company providing comprehensive natural-hazard assessments for U.S. properties. A former environmental attorney with over four decades of experience, he leverages commercial-grade due diligence to protect homebuyers and institutions alike, and serves as a recognized voice in shaping national property resilience standards.

💡 What You'll Learn:

✔️ Why traditional home inspections often overlook critical property risks

✔️ How flood, hail, tornado, wildfire, and wind risks affect homeownership

✔️ Why FEMA flood maps don't tell the complete story

✔️ Affordable home improvements that can reduce environmental risks

✔️ Why every buyer should evaluate property risks before signing a contract

🎵 Whether you're an investor, agent, or homebuyer, this episode offers valuable insights!

💼 Connect with Albert Slap:

🌐 Website → https://riskfootprint.com/

👤 Facebook → https://www.facebook.com/coastalrisk

🔗 LinkedIn → https://www.linkedin.com/company/riskfootprint/

🎧 Follow Tim Lockhart:

🌐 Website → https://timlockharthomes.com/

📸 Instagram → https://www.instagram.com/tim.lockhart.18/

🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

🚀 Thinking about building your dream home? Before choosing countertops, flooring, or paint colors, there are critical decisions that impact your home's durability, energy efficiency, indoor air quality, and long-term value. In this episode, Tim Lockhart sits down with custom home builder Matt Mitchell to discuss building science, high-performance homes, structural insulated panels (SIPs), HVAC sizing, remodeling versus new construction, and the biggest mistakes homeowners make when planning a custom build.

🎧 Hosted by: Tim Lockhart

👤 Guest:Matt Mitchell – Founder, James Andrews Custom Homes | Master Builder | SIP Builder | Green Builder

Matt Mitchell is the founder of James Andrews Custom Homes, specializing in super high-performance properties since 2002. As a designated Master, SIP, and Green Builder, he leverages advanced construction science to create exceptionally strong, energy-efficient homes. He is also a Past President of the Dallas Builders Association and actively teaches building science to industry professionals.

💡 What You'll Learn:

✔️ Why building science matters more than ever in modern home construction

✔️ Common mistakes homeowners make when designing their dream home

✔️ How proper HVAC sizing improves comfort and indoor air quality

✔️ The benefits of Structural Insulated Panels (SIPs) over traditional framing

✔️ Whether remodeling or building new makes more financial sense

🎵 Whether you're planning a custom build, considering a remodel, or simply want to make smarter home decisions, this episode offers valuable insights!

💼 Connect with Matt Mitchell:

🌐 Website → https://www.jamesandrewscustomhomes.com/

📘 Facebook → https://www.facebook.com/jamesandrewscustom/

🔗 LinkedIn → https://www.linkedin.com/in/matt-mitchell-873aa3b/

🎧 Follow Tim Lockhart:

🌐 Website → https://timlockharthomes.com/

📸 Instagram → https://www.instagram.com/tim.lockhart.18/

🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

In this episode of The Falls Home Front, host Tim Lockhart sits down with Jeremy Houchens, Owner and Director of Priority Maintenance, to discuss how preventative maintenance and smart renovations can protect your property's value and save homeowners and investors thousands of dollars over time. Jeremy shares his journey to North Texas, explains why Wichita Falls is positioned for growth, and offers practical advice on maintaining residential and commercial properties.

🎧 Hosted by: Tim Lockhart

👤 Guest:Jeremy Houchens – Owner & Director, Priority Maintenance

Jeremy Houchens is the Owner and Director of Priority Maintenance, a property maintenance and renovation company serving North Texas. He oversees a wide range of residential and commercial projects, including remodeling, painting, plumbing, electrical work, and exterior renovations, providing comprehensive solutions for property upkeep and improvement.

💡 What You'll Learn:

✔️ Why preventative maintenance is the key to protecting your investment

✔️ Common maintenance mistakes that cost homeowners and landlords thousands

✔️ What investors should inspect before and after purchasing rental properties

✔️ How to plan renovations based on your property's purpose and budget

✔️ Which home improvements provide the best long-term return on investment

🎵 Whether you're an investor, agent, or homebuyer, this episode offers valuable insights!

💼 Connect with Jeremy Houchens:

🌐 Website → https://prioritymtx.com/

📸 Instagram → https://www.instagram.com/priority_maintenance/

🔗 LinkedIn → https://www.linkedin.com/in/jeremy-houchens-0877551a5/

🎧 Follow Tim Lockhart:

🌐 Website → https://timlockharthomes.com/

📸 Instagram → https://www.instagram.com/tim.lockhart.18/

🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

🚀 In this episode of The Falls Home Front, host Tim Lockhart sits down with Ben "Chip" Filer, Executive Director of the Wichita Falls Bicycling Club, to explore the incredible story behind the Hotter N’ Hell 100. From its beginnings as a one-time centennial celebration in 1982 to becoming one of the nation's premier endurance cycling events, Chip shares the history, growth, and community impact of this iconic event.

Learn how thousands of cyclists from across the United States and around the world travel to Wichita Falls each year, the massive volunteer effort that makes the event possible, and how Hotter N’ Hell contributes millions of dollars to the local economy. Whether you're a cyclist, community leader, volunteer, or simply curious about one of North Texas' biggest annual traditions, this episode offers an inside look at what keeps Hotter N’ Hell thriving after 45 years.

🎧 Hosted by: Tim Lockhart

👤 Guest:🏡 Ben "Chip" Filer – Executive Director, Wichita Falls Bicycling Club

Ben “Chip” Filer is the Executive Director of the Wichita Falls Bicycling Club, operating the Hotter’N Hell Hundred, one of the nation's largest century bike rides. After a management career spanning over three decades with General Motors and Delphi, he assumed this leadership role following extensive volunteer experience in the event's operations.💡 What You'll Learn:

✔️ The fascinating history and origin of the Hotter N’ Hell 100 name

✔️ How the event has grown into an internationally recognized cycling festival

✔️ The economic impact Hotter N’ Hell brings to Wichita Falls each year

✔️ Why volunteers are the backbone of the event's success

✔️ How anyone can participate, volunteer, or prepare for their first ride

🎵 Whether you're a cyclist, community leader, business owner, or outdoor enthusiast, this episode offers valuable insights into one of Texas' most iconic annual events.

💼 Connect with Ben "Chip" Filer:

🌐 Website → https://www.hh100.org/

📸 Instagram → https://www.instagram.com/thehh100/

🔗 LinkedIn → https://www.linkedin.com/in/ben-filer-3415821b/

🎧 Follow Tim Lockhart:

🌐 Website → https://timlockharthomes.com/

📸 Instagram → https://www.instagram.com/tim.lockhart.18/

🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

🚀 In this episode of The Falls Home Front, Tim Lockhart sits down with Kevin King, Senior Manager and Insurance Broker at The Gray Group Insurance Brokerage. Kevin shares his journey from corporate leadership at Bridgestone to helping build a successful multi-state insurance brokerage. Together, they discuss the evolving insurance landscape in North Texas, rising premiums, weather-related risks, business growth through acquisitions, common coverage mistakes, and how homeowners can better protect their assets. Whether you're a homeowner, investor, or business owner, this conversation delivers practical insights into navigating today's insurance market.

🎧 Hosted by: Tim Lockhart

👤 Guest:🏡 Kevin King – Senior Manager & Insurance Broker, The Gray Group Insurance Brokerage

Kevin King is a Senior Manager and Insurance Broker at The Gray Group Insurance Brokerage in McKinney, Texas, specializing in auto, home, life, and commercial policies. Previously, he completed a leadership program with Bridgestone Americas and helped scale a startup insurance brokerage into a multi-state operation.

💡 What You’ll Learn:

✔️ Kevin King's transition from corporate leadership into insurance

✔️ How The Gray Group scaled from a small operation to a multi-state brokerage

✔️ The impact of severe weather, inflation, and market conditions on premiums

✔️ The difference between flood, water damage, and water backup coverage

✔️ Benefits of working with an independent insurance broker

✔️ How to evaluate deductibles, policy limits, and risk exposure

🎵 Whether you're a homeowner, investor, business owner, or real estate professional, this episode offers valuable insights into managing risk and protecting your assets.

💼 Connect with Kevin King:

🌐 Website → https://www.thegraygroup.com/

📸 Instagram → https://www.instagram.com/thegraygroupinsurancebrokerage/

📘 Facebook → https://www.facebook.com/thegraygroupinsurance

🔗 LinkedIn → https://www.linkedin.com/in/kevin-king-58a90377/

🎧 Follow Tim Lockhart:

🌐 Website → https://timlockharthomes.com/

📸 Instagram → https://www.instagram.com/tim.lockhart.18/

🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

🚀 In this episode of The Falls Home Front, host Tim Lockhart sits down with James Hanger, co-owner and winemaker of OG Cellars, to discuss his journey from hobbyist winemaker to building one of North Texas’ premier boutique wineries. James shares how a memorable bottle of wine sparked a lifelong passion, the traditional techniques he uses to craft award-winning wines, and why North Texas is becoming a major force in the wine industry. They also explore entrepreneurship, community building, the growth of Wichita Falls, and how OG Cellars has created a unique wine and dining experience for locals and visitors alike.

🎧 Hosted by: Tim Lockhart

👤 Guest:🏡 James Hanger – Co-Owner & Winemaker, OG Cellars

James Hanger is the co-owner and winemaker at OG Cellars in Sunset, Texas. He transitioned into viticulture by training at Grayson College and apprenticing at local vineyards. He utilizes traditional winemaking techniques such as gravity flow and barrel fermentations to produce wines focused on a smooth and lingering finish.

💡 What You’ll Learn:

✔️ How James Hanger transitioned from wine enthusiast to professional winemaker

✔️ The traditional winemaking techniques that set OG Cellars apart

✔️ Common misconceptions about wine, sulfites, and flavor profiles

✔️ Why Texas and North Texas are ideal regions for grape growing

✔️ How OG Cellars created a unique wine, tapas, and live music experience

✔️ How local businesses are helping shape Wichita Falls’ future

🎵 Whether you're an entrepreneur, wine enthusiast, investor, or someone interested in local business and community growth, this episode offers valuable insights into building a successful brand and crafting exceptional experiences.

💼 Connect with James Hanger:

🌐 Website → https://ogcellars.com/

📸 Instagram → https://www.instagram.com/o.g.cellars/

🎧 Follow Tim Lockhart:

🌐 Website → https://timlockharthomes.com/

📸 Instagram → https://www.instagram.com/tim.lockhart.18/

🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

🚀 In this episode of Falls Home Front, host Tim Lockhart sits down with Brendan Lewis, Vice President and State Manager for Texas and Oklahoma at Asset Preservation Inc., to discuss the power of 1031 exchanges and strategic tax planning for real estate investors. Brendan shares his journey from commercial real estate brokerage to becoming a leading expert in tax-deferred exchanges, while breaking down common misconceptions, critical timelines, replacement property strategies, and how investors can preserve and grow wealth through smart planning.

🎧 Hosted by: Tim Lockhart

👤 Guest:🏡 Brendan Lewis – Vice President & State Manager, Texas and Oklahoma, Asset Preservation Inc.

Brendan Lewis is the Vice President and State Manager for Texas and Oklahoma at Asset Preservation, Inc. A former commercial real estate broker, he specializes in helping investors and their advisory teams structure and execute IRC §1031 tax-deferred exchanges and implement sophisticated tax strategies.

💡 What You’ll Learn:

✔️ How 1031 exchanges help investors defer taxes and preserve wealth

✔️ Common misconceptions that can derail an exchange

✔️ Important 45-day and 180-day deadlines investors must know

✔️ How to identify suitable replacement properties and investment strategies

✔️ The importance of early planning and assembling the right professional team

🎵 Whether you're an investor, agent, or business owner, this episode offers valuable insights into building and preserving wealth through real estate.

💼 Connect with Brendan Lewis:

🌐 Website → https://apiexchange.com/

🔗 LinkedIn → https://www.linkedin.com/in/brendanlewis1031/

🎧 Follow Tim Lockhart:

🌐 Website → https://timlockharthomes.com/

📸 Instagram → https://www.instagram.com/tim.lockhart.18/

🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

🚀 In this episode of The Falls Home Front, host Tim Lockhart sits down with Texas-based graphic designer, muralist, and creative entrepreneur David Baker. David shares his journey from growing up in a family of artists to working with major brands like TikTok, CiCi’s Pizza, Major League Rugby, and Tiff’s Treats before launching his own creative business. They discuss the realities of making a living as an artist, the impact of murals on communities, entrepreneurship, collaboration, and how creativity helps shape thriving local cultures.

🎧 Hosted by: Tim Lockhart

👤 Guest:🏡 David Baker – Graphic Designer, Muralist & Creative Entrepreneur

David Baker is a Texas-based Graphic Designer and Muralist. Holding a BFA in Communication Design from the University of North Texas, he has served as a Creative Director and designed campaigns for major brands, including TikTok, Cici’s Pizza, Major League Rugby, and Tiff’s Treats. He also organizes local art festivals through his business, North Texas Makers.

💡 What You’ll Learn:

✔️ How David built a successful creative career in Texas

✔️ The realities of entrepreneurship in the art industry

✔️ Why murals can transform communities and local economies

✔️ The importance of taking risks and embracing challenging projects

✔️ How networking and collaboration create opportunities for artists

✔️ Defining success as a creative professional

✔️ Lessons for aspiring artists and entrepreneurs

🎵 Whether you're an entrepreneur, artist, business owner, or community leader, this episode offers valuable insights into creativity, leadership, and building stronger communities.

💼 Connect with David Baker:

🌐 Website → https://www.davidbakerartist.com/

📸 Instagram → https://www.instagram.com/davidbakerartist/

🌐 Promotion → https://www.davidbakerartist.com/murals

🎧 Follow Tim Lockhart:

🌐 Website → https://timlockharthomes.com/

📸 Instagram → https://www.instagram.com/tim.lockhart.18/

🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/