Wondering if now is the right time to refinance your mortgage? In Episode 76 of The Fun and the Mentals of Real Estate, hosts Angela Dillmon of Keller Williams Realty Chesterfield and Glen Calvin of Guild Mortgage break down everything you need to know about refinancing—especially how to calculate your break-even point and when it actually makes sense to move forward.

🎯 This isn’t just talk — it’s real math, real strategies, and real stories. From reducing your term, lowering PMI, to cash-out options for smart upgrades, Angela and Glen guide you through how to build wealth (not just reduce your rate).
They explain why not all "no-cost" refinances are created equal and what lenders really mean behind the fine print.

✅ In this episode, you’ll learn:

• How to calculate your refinancing break-even point

• When a lower rate isn’t always the priority

• Why loan amount matters when it comes to savings

• How to get out of FHA or PMI the smart way

• When refinancing is a wealth-building move — and when it’s not

• How to avoid being sold into bad loan products

  
  

📱 Get personalized insights on your home with a free Homebot account:
👉 https://hmbt.co/HZmjRn
Track your home’s value, equity, and refinance opportunities in one secure dashboard — no spam, no sales.

🧠 Angela Dillmon | Realtor® | Keller Williams Chesterfield
Owner of The Dillmon Group
📞 314-277-7713 | [email protected]
📍 Serving Greater St. Louis Home Buyers & Sellers

💼 Glen Calvin | Mortgage Lender | Guild Mortgage
Expert in Home Loans & Refinancing
📞 314-249-6861 | [email protected]

🎧 LISTEN, FOLLOW, & SHARE
New episodes weekly on The Fun and the Mentals of Real Estate. We combine expert advice, smart money moves, and practical tools to make real estate less overwhelming and more empowering.

💬 Got questions? Want a custom refi breakdown? Call Angela or Glen today.
📈 Your wealth starts with better knowledge — and the right team.

🎙️ Let’s make real estate make sense — and cents.
Follow us on Spotify, YouTube, and wherever you get your podcasts.

#RefinanceTips #MortgageAdvice #BreakEvenPoint #HomeEquity #RefiSmart #RealEstatePodcast #AngelaDillmon #GlenCalvin #KellerWilliams #GuildMortgage #Homebot #RefinancingExplained #HomeownershipWealth #RealEstateWealth #MortgageStrategy #PMI #FHArefi #TheFunAndTheMentals

Is refinancing always the best move when you come into extra cash after buying a home? Not necessarily. In this episode of The Fun and the Mentals of Real Estate, we break down the real difference between recasting and refinancing and why knowing the difference could save you thousands.

Angela Dillmon of Keller Williams Realty Chesterfield and Glen Calvin from Guild Mortgage go deep into real-life scenarios:

• You bought a new home and just sold your old one — now what?

• When does recasting make more financial sense than refinancing?

• How can you get rid of mortgage insurance without paying thousands in closing costs?

• Is refinancing always a smart move when rates drop?

• Can you cash out and still stay smart with your wealth-building strategy?

This episode is packed with clarity and practical advice — especially if you’ve recently bought a home, plan to refinance, or have equity you want to use wisely.

🔍 Ready to make the smartest money move on your mortgage?
Get free access to Homebot and track your home value, equity, and personalized refinance opportunities: https://hmbt.co/HZmjRn

📲 Thinking about buying or selling?
Contact Angela Dillmon, Realtor & Wealth Strategist: 314-277-7713

💼 Want to explore loan options or refinancing?
Talk to Glen Calvin, Lender at Guild Mortgage: 314-249-6861

🎙️ The Fun and the Mentals of Real Estate
Your go-to podcast for building wealth, living your dream lifestyle, and leaving a legacy through smart real estate moves.

✨ Don’t forget to follow, rate, and share this episode on Spotify or wherever you listen. The knowledge could change someone’s financial future.

#RealEstatePodcast #MortgageTips #RefinancingVsRecasting #EquitySmartMoves #AngelaDillmon #GlenCalvin #HomeEquity #HomeFinancing #SpotifyPodcast #KellerWilliams #GuildMortgage

Are you about to say “I do” to your new home? 👰🏽🏡
In this episode, Angela Dillmon (Keller Williams Realty Chesterfield & founder of The Dillmon Group) and Glen Calvin (Lender at Guild Mortgage) break down everything that happens on Closing Day—and why it really is like a wedding… but with way more paperwork and money involved.

We answer real questions like:
💸 Do I have to pay for everyone else's fees?
❌ Can I back out after I sign?
📑 What do I need to bring to the closing table?
🏠 When do I officially get the keys?
📬 What scams should I watch out for after closing?

You’ll also learn how to read your Closing Disclosure, why you need valid ID, and how last-minute walkthrough surprises or funding delays can affect your timeline.

Angela and Glen also explain the differences between refinancing and recasting—and how to save thousands if you’ve bought a new home before selling your old one. 👏🏼

📲 Angela Dillmon – Realtor, KW ChesterfieldCall/Text: 314-277-7713

📲 Glen Calvin – Lender, Guild MortgageCall/Text: 314-249-6861

➡️ Follow us on Spotify and turn on notifications so you never miss real talk about real estate!
🎙️ The Fun and the Mentals of Real Estate – where we mix expert advice with real conversations to help you make smart moves in today’s market.

🔑 Ever signed a mountain of paperwork on closing day and thought, “Wait... what am I actually signing?” You're not alone — and this week, we’re breaking it all down in plain English.

Join Angela Dillmon (Keller Williams Realty Chesterfield & owner of The Dillmon Group) and Glen Calvin (lender at Guild Mortgage) as they explain two of the most misunderstood documents in a real estate transaction: the Note and the Deed of Trust.

💡 In this episode:

• What exactly IS a promissory note?

• Why you need both a Note and a Deed of Trust

• What clauses protect the lender—and YOU

• Hidden details that could cost you (like forced insurance and occupancy clauses)

• Why you should NEVER skip reviewing these documents ahead of time

Glen shares insider tips from hundreds of closings, including why your loan officer SHOULD be at the table with you, and how to avoid last-minute surprises.

📞 Have questions or ready to talk real estate?

• Call Angela: 314-277-7713

• Call Glen: 314-249-6861

💥 FREE TOOL for homeowners and buyers
Track your home value, equity, and market insights with Homebot 👉 https://hmbt.co/HZmjRn

🎧 Subscribe and share this episode of The Fun and the Mentals of Real Estate — where we blend the strategy with the sanity, and the education with the real talk.

#realestatepodcast #homebuyingtips #mortgagetips #closingdayexplained #notedeedtrust #angelaDillmon #glenCalvin #homebuying101 #firsttimehomebuyer #mortgagelending #thefundamentalsofrealestate #closingtips #realestateeducation #missourirealestate #guildmortgage #kellerwilliams

📍Available on Spotify, Apple Podcast and everywhere you get your podcasts. Tap play and take the stress out of the stack of papers!

Is Closing Day as Stressful as Everyone Says? 🤯 Let’s Clear It Up—Line by Line.

From sticker shock at the final number to the mystery of what’s actually in your closing packet, this episode of The Fun and the Mentals of Real Estate breaks it all down. Whether you’re buying your first home or your fifth, you deserve a zero-surprise closing day—and we’re here to make sure of it.

🎙 Hosted by Angela Dillmon (Keller Williams Realty Chesterfield + The Dillmon Group) and Glen Calvin (Lender at Guild Mortgage), this episode dives into:

• What’s really in the stack of papers at closing

• Escrow breakdowns that won’t leave you confused

• The timing of payments, insurance, interest, and credits

• How much cash you actually need to bring—and what happens if it’s off

• How to avoid last-minute surprises and feel fully prepared

We’re not just going through documents—we’re helping you understand the full story of your transaction so that you walk into the closing room with confidence.

👉 Want to track your home’s value or buying power like a pro?
Get FREE access to Homebot: https://hmbt.co/HZmjRn

Reach out anytime:
📞 Angela: Buying or selling? Call 314-277-7713📞 Glen: Questions about financing? Call 314-249-6861🎧 Listen now and follow The Fun and the Mentals of Real Estate on Spotify, Apple Podcasts, or wherever you stream.

Wondering if sellers really need to be out of the house before closing day? This episode breaks it all down! From what stays with the home (hello, blinds—but not always the drapes!) to walkthrough timing, final repair checks, and even utility transfers, we’re diving deep into what buyers AND sellers need to know before the big day.

🔑 This week on EP. 71:
Hosts Angela Dillmon (Keller Williams Realty Chesterfield, The Dillmon Group) and Glen Calvin (Lender, Guild Mortgage) team up with expert buyer’s agent Joshua Gulledge to tackle:
✔️ What “vacant at closing” really means
✔️ What items must stay with the home
✔️ Why walkthrough timing matters
✔️ Tips for avoiding costly last-minute surprises
✔️ Real stories from the field—good, bad, and dishwasher-level frustrating

💡Whether you're a first-time buyer, seasoned seller, or just love the drama of real estate, this episode will save you headaches, help you plan better, and maybe even save you $$$.

📲 Get in touch:
Angela Dillmon – 314-277-7713
Glen Calvin – 314-249-6861

🧠 Want a FREE personalized home value report & market insights?
👉 Claim your Homebot access here

🎧 Listen now on Spotify and follow “The Fun and the Mentals of Real Estate” for weekly tips, strategies, and behind-the-scenes insight into today’s housing market.

✅ Don’t forget to like, share, and subscribe if this episode helped you or someone you know!
➡️ Especially useful for new buyers or anyone prepping for a smooth closing day.

#realestatepodcast #closingdaytips #walkthroughchecklist #buyersguide #homeselling101 #homeownershipjourney #kellerwilliams #guildmortgage #thefunandthementals #angelaDillmon #glenCalvin #joshuagulledge #homestaging #homebuyingtips #homebot

🔍 Home inspections can make or break a deal—but do you really know what to expect?

In Episode 70 of The Fun and the Mentals of Real Estate, we dive deep into the most common issues flagged during inspections—and what they actually mean for both buyers and sellers.

🏠 Join Angela Dillmon, Realtor and Team Lead of The Dillmon Group at Keller Williams Realty Chesterfield, and Joshua Gulledge, Buyer Specialist, as they unpack real-life examples from inspections—including borderline roofs, aging systems, dripping faucets, and missed sewer lines.
You’ll learn how experienced negotiators approach inspection periods, how to evaluate risk, and what happens when an inspector misses something big.

💡 Key takeaways in this episode:

• What items come up every time (and how sellers typically react)

• Why borderline roofs are a huge gray area in deals

• How inspection clauses protect buyers

• What happens when your inspector misses something serious

• Negotiating credits vs. repairs—what's really smarter?

• Why choosing the right inspector and the right agent team can save you thousands

• The role of vendor partners in getting clarity fast during the 10-day inspection period

  
  

📲 Whether you’re buying or selling, this episode is a must-listen for avoiding deal killers, setting realistic expectations, and protecting your investment.

🎯 Need help navigating your own inspection process?
Call or text:
Angela Dillmon — 314-277-7713
Josh Gulledge — 314-757-6046

🏡 Want a custom breakdown of your home’s value and market trends?
Get FREE access to Homebot: https://hmbt.co/HZmjRn

🔔 Follow The Fun and the Mentals of Real Estate for smart, fun, and practical advice on all things real estate—from building wealth to closing day wins.

When you're under contract on a home, can you always get an inspection? In this must-hear episode of The Fun and the Mentals of Real Estate, host Angela Dillmon, owner of the Dillmon Group with Keller Williams Realty Chesterfield, breaks down exactly what “inspection rights” really mean for buyers. Joining her is Joshua Gulledge, expert buyer specialist on the Dillmon Group team.

🔎 What you’ll learn:
✔️ Do buyers automatically get inspection rights in Missouri?
✔️ What's built into the St. Louis Association of Realtors contract (vs. other areas)?
✔️ The full range of inspections available—sewer scope, radon, termite, infrared, and more
✔️ How much inspections actually cost
✔️ What happens if the inspector misses something
✔️ Negotiating credits vs. price reductions—and why lenders might limit how much you can get back
✔️ How inspection reports actually work (hint: they're more like rough drafts!)

This episode is packed with real scenarios, smart strategies, and expert insights to help you protect your investment and avoid buyer’s remorse.

🎯 CALL TO ACTION
Thinking about buying a home or have questions about your inspection rights?
📞 Contact Angela Dillmon at 314-277-7713
📞 Reach out to Joshua Gulledge at 314-757-6046
🎁 Get FREE access to your home’s value and real-time market insights with Homebot

🎙 The Fun and the Mentals of Real Estate is your go-to podcast for practical advice, real conversations, and no-fluff guidance whether you're buying, selling, or investing in real estate.

📌 Follow & share on Spotify, Apple Podcast and Youtube so more homebuyers can make smart, confident decisions!

#HomeInspection #RealEstatePodcast #BuyerTips #AngelaDillmon #JoshuaGulledge #StLouisRealEstate #KWChesterfield #TheDillmonGroup #TheFunAndTheMentals #Homebot #BuySmart #InspectionRights #RealEstateAdvice #SpotifyPodcasts #ApplePodcast

🏠 Curious if your city’s occupancy inspection covers everything in a home inspection? On this episode of The Fun and the Mentals of Real Estate, host Angela Dillmon of the Dillmon Group with Keller Williams Realty Chesterfield dives deep into what occupancy inspections really look for, and how they differ from full building inspections.

🎙️ Joining Angela is expert buyer’s agent Joshua Gulledge. Together, they break down:
✅ What an occupancy inspection really is and why it matters
✅ Common things inspectors love to flag
✅ How these inspections differ across different cities in Missouri
✅ Real-world examples of what can (and can’t) get flagged
✅ Why some repairs become your responsibility and others the seller’s

💡 Whether you’re a homebuyer or seller, knowing what to expect is key to a smooth transaction and a safe home!

📲 For home sellers, contact Angela at 314-277-7713
📲 For buyers, reach out to Josh at 314-757-6046

🔗 Unlock your free Homebot access here: https://hmbt.co/HZmjRn
💬 Have questions? Drop them in the comments or DM us—let’s chat!

🎧 Listen to Episode 68 now on Spotify and Youtube!

🎙️ EP. 67 – Will Something Break in Year One of Homeownership?

The Fun and the Mentals of Real Estate Podcast

Hosted by Angela Dillmon | Featuring Guest: David Specter, Choice Home Warranty

🏠 New homeowners and future buyers—are you prepared for what might go wrong right after closing?

In this episode, Realtor Angela Dillmon (Keller Williams Chesterfield & The Dillmon Group) is joined by home warranty expert David Specter from Choice Home Warranty to unpack the hidden risks and unexpected expenses of your first year in a new home.

You’ll learn:

• The difference between a home warranty and homeowners insurance

• What coverage really looks like
• How to protect your budget and peace of mind
• And the kinds of situations you’d never expect (seriously!)

🎯 Whether you're buying, selling, or investing, this episode is packed with insights to help you protect your biggest investment.

Whether you're buying your first home, selling, or investing, this episode equips you with real answers and smart strategies.

📞 Have questions? Contact the experts:

👉 For real estate help: Angela Dillmon – 314-277-7713

👉 For home warranty quotes and info: David Specter, Choice Home Warranty – 314-707-3441

🔗 Homeowner or future buyer? Track your home’s value, equity, and market trends with FREE Homebot access: https://hmbt.co/HZmjRn

🎧 Listen now on Spotify & Youtube

✅ Don’t forget to follow, rate ⭐⭐⭐⭐⭐, and share with a new or future homeowner!

#HomeWarranty #RealEstateTips #HomeOwnership #FirstTimeHomeBuyer #AngelaDillmon #ChoiceHomeWarranty #DavidSpecter #HomeMaintenance #RealEstatePodcast #StLouisRealEstate #HomeProtection #TheFunAndTheMentals #SpotifyPodcast