🎙️ 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

What actually proves you own your home? A deed? A mortgage? Your name on the mailbox? 🏠

In Episode 66 of The Fun and the Mentals of Real Estate, Angela Dillmon (Keller Williams Realty Chesterfield, The Dillmon Group) and Glen Calvin (Guild Mortgage) break down the often misunderstood question: What legally and officially proves homeownership?

We’re diving into:
✔️ What documentation legally shows ownership
✔️ The difference between deeds, titles, and mortgages
✔️ Why having a mortgage doesn’t mean you don’t own your home
✔️ How to make sure your ownership is properly recorded
✔️ What to do if you inherit a house or think your name isn’t on the right documents

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

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

💻 Get FREE access to your home's value + market insights with Homebot:
👉 https://hmbt.co/HZmjRn

🎯 Don’t miss this essential episode if you:

• Own a home and want to confirm your ownership is protected

• Are buying or selling and want to understand the legal side

• Inherited property or plan to pass one on

➡️ 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.

#HomeOwnership #DeedVsTitle #RealEstatePodcast #AngelaDillmon #GlenCalvin #TheDillmonGroup #GuildMortgage #KellerWilliamsChesterfield #HowToProveHomeOwnership #HomeBuyingTips #HomeSellingAdvice #MissouriRealEstate #SpotifyPodcast #RealEstateEducation #Homebot

📍 In this value-packed episode of The Fun and the Mentals of Real Estate, Angela Dillmon of Keller Williams Realty Chesterfield and Glen Calvin, lender at Guild Mortgage, break down one of the most misunderstood parts of the home buying process—the appraisal.

💡 Want to know what REALLY determines the value of your home?
Spoiler: it’s not just square footage or fancy upgrades.

Angela and Glen walk you through:

• Why appraisals matter for your mortgage

• How lenders use appraisals as part of a 3-point evaluation triangle

• What items do and don’t affect value (yes, your washer/dryer matters!)

• How appraisers choose comps—and why your neighbor’s sale price might not matter

• What happens when the appraisal comes in low (and what your options are)

• The difference between FHA, VA, and Conventional loan appraisal requirements

• How appraisal timelines work with inspections and contract deadlines

• The truth behind why lenders can’t influence appraisers anymore

📈 If you’re buying, selling, or refinancing, this episode is essential listening for understanding how appraisals can make or break your deal—and how to be prepared.

🎯 Whether you're a first-time buyer or seasoned investor, don’t miss the straight talk on how home values are truly determined and what steps you can take to protect your offer and your financing.

🔗 FREE Home Value Tool!
Curious what your home is worth right now? Get your personalized home report with market insights → https://hmbt.co/HZmjRn

📲 Contact Angela Dillmon (Realtor® | Keller Williams Realty Chesterfield)
📞 314-277-7713
📲 Contact Glen Calvin (Lender | Guild Mortgage)
📞 314-249-6861

🎧 Listen now on Spotify.
💬 Like, follow, and share to help more buyers & sellers get the knowledge they need.

👉 Subscribe for more wealth-building insights & real estate strategies every week.

#RealEstatePodcast #HomeAppraisal #HomeValue #RealEstateTips #MortgageAdvice #AngelaDillmon #GlenCalvin #KellerWilliams #GuildMortgage #StLouisRealEstate #WealthBuilding #HouseHunting #RealEstateExplained #SpotifyPodcasts #FunAndMentalsOfRealEstate

Buying a home is exciting—but let’s be honest, it’s also one of the most stressful things you’ll ever do. So why is that? In this episode of The Fun and the Mentals of Real Estate, Angela Dillmon of Keller Williams Realty Chesterfield and Glen Calvin of Guild Mortgage unpack the emotional rollercoaster of buying a home.

Angela and Glen use a wedding as the perfect metaphor for what it's like to go from accepted contract to closing table: you’re engaged, emotions are high, and there’s a whole team you need to make it to the big day. From loan snags to credit missteps, quitting your job too soon, opening new credit lines, and even taking a maternity leave—this episode is packed with real stories and actionable advice to help buyers avoid the pitfalls that could delay or derail your closing.

What You’ll Learn in This Episode:

• Why communication with your lender is non-negotiable

• How last-minute financial decisions can ruin your loan

• What documents matter (and why signing without reading is a bad idea)

• The truth about “12 months same as cash” purchases

• How taxes, job changes, and insurance choices can impact your approval

• Tips to protect your debt-to-income ratio before closing

• What your "home buying team" really looks like

🎯 Whether you’re buying your first home or your fifth, this episode is a must-listen to reduce stress and increase success.

📲 Thinking about buying or selling? Contact Angela Dillmon with The Dillmon Group at Keller Williams Realty Chesterfield today:
📞 Call/text: 314-277-7713💬 Have lending questions or need pre-approval guidance? Glen Calvin at Guild Mortgage is here to help:
📞 Call/text: 314-249-6861

💰 Want to track your home value like a pro?
👉 Get FREE access to Homebot

✅ Follow us on Spotify and never miss an episode of The Fun and the Mentals of Real Estate.
💬 Like, rate, and share this podcast to help others navigate the real estate journey with confidence!

You’ve celebrated your accepted offer—but are you really in the clear? Not so fast. 🛑 In Episode 63 of The Fun and the Mentals of Real Estate, hosts Angela Dillmon (Keller Williams Realty Chesterfield & Owner of The Dillmon Group), Glen Calvin (Lender at Guild Mortgage) and Joshua Gulledge (The Dillmon Group) break down the surprising ways buyers can STILL lose a home after the offer is accepted.

From missed deadlines and earnest money mishaps to lender switch-ups and title snags—this episode is a must-listen for any buyer who wants to actually make it to the closing table.

🎯 Here's what you'll learn:

• What contingencies really mean and how they can cost you the home

• Why earnest money isn’t just a formality

• How title issues and old judgments can ruin your deal

• The critical timing of inspections, appraisals, and lender paperwork

• Why choosing the right team—agent, lender, and title company—makes ALL the difference

  
  

💡 Pro Tip: An accepted offer is just the beginning. Tune in to learn how to avoid the most common (and costly) pitfalls that derail deals.

📞 Contact Your Wealth-Building Partners:
👉 Selling a home? Call Angela Dillmon – 314-277-7713
👉 Buying a home? Reach out to Joshua Gulledge – 314-757-6046
👉 Need a loan or mortgage advice? Contact Glen Calvin – 314-249-6861

🎁 BONUS: Get Free Access to Homebot!
Track your home value, equity, and smart refinance options with this powerful tool: https://hmbt.co/HZmjRn

💬 Like, Follow, and Share if you’re buying soon or just want to stay ready in today’s market.
🎧 Now streaming on Spotify

#RealEstatePodcast #AcceptedOffer #HomeBuyingTips #RealEstateAdvice #AngelaDillmon #GlenCalvin #GuildMortgage #KellerWilliamsChesterfield #TheDillmonGroup #TheFunAndTheMentals #HomeBuyingJourney #RealEstateContingencies #HomeInspections #EarnestMoney #HomeClosing #MissouriRealEstate #Homebot #RealEstateSpotify

People are always shocked when they get that tax bill. But the question is… how high can it actually go?"

In this episode of The Fun and the Mentals of Real Estate, Angela Dillmon (Keller Williams Realty Chesterfield & owner of The Dillmon Group) and Glen Calvin (Lender at Guild Mortgage) break down the mystery behind property taxes—how they’re assessed, what triggers increases, and what every homeowner needs to know to avoid surprises.

Whether you're a first-time buyer, longtime homeowner, or investor, understanding property taxes is critical to protecting your financial future.

🎯 We’re covering:

• What causes property taxes to spike

• How reassessments really work

• The role of home improvements

• Tips to prepare for your next tax bill

• When to challenge your assessment

🎧 Listen now on Spotify and share this episode with someone who just opened their reassessment letter in shock.

📆 Need help with your property tax reassessment or have real estate questions?
🗓️ Schedule a 1:1 with Angela here: https://calendly.com/thedillmongroup/tax-assessment-thedillmongroup
📞 Call Angela at 314-277-7713 (The Dillmon Group | Keller Williams Chesterfield)

💰 Have questions about how your taxes impact your mortgage or loan approval?📞 Reach out to Glen Calvin at 314-249-6861 (Lender | Guild Mortgage)

📊 Want to know what your home is worth (without the guesswork)?👉 Get FREE access to your personalized Homebot report here: https://hmbt.co/HZmjRn

The Fun and the Mentals of Real Estate | EP. 61: Missouri Senior Tax Freeze: How to Apply Before the June 30 Deadline

In this episode of The Fun and the Mentals of Real Estate, hosts Angela Dillmon and Glen Calvin break down the Missouri Senior Tax Freeze and how you can take advantage of this program before the fast-approaching June 30 deadline.

If you're a senior homeowner in Missouri, this tax freeze could be your key to reducing property tax increases, offering you financial relief as home values rise. Angela, a trusted real estate agent with Keller Williams Realty Chesterfield and the Dillmon Group, and Glen, a lender at Guild Mortgage, explain exactly how the program works, who qualifies, and the steps you need to take to apply—especially important if you're in the midst of planning for your future.

Get Ahead of the Deadline!
Listen in as Angela and Glen discuss tips and tricks for applying in various counties, including St. Louis County, St. Charles County, Jefferson County, and Franklin County. Don’t miss out on this chance to freeze your property taxes and keep more money in your pocket!

Links to Apply for Senior Tax Freeze by County:

• St. Louis County Senior Tax Freeze Application

• St. Charles County Senior Tax Freeze Application

• Jefferson County Senior Tax Freeze Application

• Franklin County Senior Tax Freeze Application

  
  

BONUS!
Stay ahead in your real estate journey by gaining FREE access to Homebot, a valuable tool that helps you track your home’s value and equity. Click here for free access!

For more real estate tips, financial advice, and all things related to buying, selling, and managing property, be sure to hit subscribe and join Angela and Glen every week on The Fun and the Mentals of Real Estate.

Have questions or need assistance? Contact Angela at 314-277-7713 or Glen at 314-249-6861 to discuss how this could impact you and your property taxes.

Don't forget to rate and review us on Spotify! The more reviews, the more people we can help!

#MissouriSeniorTaxFreeze #RealEstateTips #PropertyTaxRelief #RealEstateMissouri #HomeValue #Homebot

Retirement isn’t just about having a nest egg—it’s about ensuring financial stability, maintaining your ideal lifestyle, and making smart real estate decisions that support your future. In this must-listen episode of The Fun and the Mentals of Real Estate, Angela Dillmon (Keller Williams Realty Chesterfield, The Dillmon Group) and Glen Calvin (Guild Mortgage) sit down with Michelle Perry (Financial Advisor, Triad Financial Group) to discuss the realities of retirement and the critical steps to take now.

🔎 What You’ll Learn:🏡 Is your home helping or hurting your retirement plans? Downsizing, reducing real estate taxes, and cutting hidden costs.
💡 Can you afford to retire? How to assess income, social security, and withdrawal rates (keep it under 5%!).
📉 What if your income tightens? HELOCs, reverse mortgages, and other solutions to avoid financial strain.
🕰️ When should you start planning? The critical age milestones to consider (hint: don’t wait until 55+!).
📊 How to track your spending habits: Download bank statements and get real about where your money is going.

💡 Pro Tip: Many retirees underestimate expenses but can state their income within $300/month. Are you tracking both?

🎙️ Guest Expert: Michelle Perry, Financial Advisor, Triad Financial Group
📞 Call/Text: 314-392-6807 | ✉️ [email protected]

📞 Need expert guidance?
🔹 Looking to buy, sell, or downsize? Call/Text Angela Dillmon, Realtor® at 314-277-7713
🔹 Need mortgage solutions for retirement? Call/Text Glen Calvin, Lender at 314-249-6861

🔗 Get Free Home Equity & Market Insights! Sign up for Homebot → https://hmbt.co/HZmjRn

📢 Like, Subscribe & Follow for more expert real estate and financial insights!
🎧 Listen on Spotify & YouTube
💬 Comment below: What’s your biggest retirement concern?

Life happens fast—are you truly prepared for the unexpected? In this must-listen episode, Angela Dillmon (Keller Williams Realty Chesterfield, The Dillmon Group) and Glen Calvin (Guild Mortgage) sit down with Michelle Perry, a financial planner from Triad Financial Group, to dive deep into estate planning, financial readiness, and real estate strategies that protect your future.

🔹 Key Takeaways:
✔️ Essential estate planning checklist for homeowners
✔️ How to structure your assets to avoid probate headaches
✔️ The financial steps to take NOW for long-term security
✔️ Real estate strategies to safeguard your home & investments
✔️ Must-have legal documents to protect your family

🏡 Planning for tomorrow starts today! Don’t wait for a crisis—get ahead and take control of your financial future.

📞 Questions about your real estate journey? Call Angela at 314-277-7713 or Glen at 314-249-6861.

🔗 Get FREE access to Homebot for personalized home value insights! 👉 https://hmbt.co/HZmjRn

🎧 Listen now on Spotify! 🚀 Follow & share to help others get prepared!

#EstatePlanning #FinancialSecurity #RealEstatePlanning

Are you making the most of your money when it comes to real estate and wealth building? In this episode of The Fun and the Mentals of Real Estate, we dive into smart budgeting strategies that fast-track your financial success—whether you're a homeowner, investor, or first-time buyer.

🔑 What You’ll Learn:
✅ How to optimize your budget for homeownership and investments
✅ Wealth-building strategies from top real estate and finance pros
✅ Common financial mistakes that slow down your success—and how to avoid them
✅ Real-life budgeting hacks that actually work

Join Angela Dillmon (Keller Williams Realty Chesterfield, The Dillmon Group), Glen Calvin (Lender at Guild Mortgage), and special guest Michelle Perry (Financial Planner, Triad Financial Group) as they break down proven strategies to help you master your money and build long-term wealth.

💰 Get a Free Home Value & Market Report! → https://hmbt.co/HZmjRn

📞 Got Questions? Let's Talk!
Angela Dillmon: 314-277-7713
Glen Calvin: 314-249-6861

🎧 Listen now on Spotify and YouTube!
💬 Drop your biggest budgeting challenge in the comments & tag a friend who needs to hear this!