The Fun and the Mentals of Real Estate

Predicting St. Louis house prices: is it possible? We dive into local real estate metrics like months of supply, days on market, and under contract rates to reveal what's next for buyers and sellers in the St. Louis housing market.

Welcome to "The Fun and the Mentals of Real Estate"! In this episode, we tackle the big question everyone is asking: Is it truly possible to predict the future of house prices in St. Louis?

You'll learn about:

• The difference between national news and local "micro-data."

• Key metrics like months of supply, days on market, and under contract rates.

• The current state of the St. Louis market: Is it a buyer's or seller's market?

• How factors like affordability, first-time home buyers, and inflation affect local house prices.

• A solid prediction for the St. Louis housing market in the coming years.

• Don't let national news scare you away from a great investment. The numbers don't lie, and we’re here to show you how to read them.

Get FREE access to Homebot to track your home's value: 🔗 https://hmbt.co/HZmjRnThinking of selling?

🏡 Get a free, data-driven home valuation to find out what your house is really worth in today's St. Louis market.Ready to buy? 🤝 Schedule a free consultation to create your personalized home-buying strategy.

Contact Angela Dillmon to make your next move. Call or text today! 📞

Phone: (314) 277-7713

Email: [email protected]

Website: https://adillmon.kw.com/

Have questions about your home loan options? ❓ Talk to a local expert! Get a free mortgage readiness checkup with Glen Calvin.Looking to refinance? 💰 Find out if you can save money and lower your monthly payment.

Contact Glenn Calvin at Guild Mortgage to get pre-approved today! ✅

Phone: (314) 249-2861

Email: [email protected]

Website: https://branches.guildmortgage.com/mo/chesterfield/glen-calvin-714-cngca.html

St. Louis, Missouri is a hot topic right now! People are moving to the Gateway to the West for a good reason, and it's not what you think. While other major cities are grappling with skyrocketing home prices, St. Louis remains one of the most affordable metropolitan areas in the country. This episode of "The Fun and Mentals of Real Estate" explores the real reasons for this affordability, from low housing costs and property taxes to economic stability and a thriving, diverse job market. If you're considering a move to St. Louis, a first-time home buyer, or even a current homeowner looking to sell or refinance, this is a must-listen.

In this episode, we discuss:

• The surprising statistics that prove St. Louis's affordability compared to major cities like Los Angeles and Denver.

• Why land availability and lower regulations are key factors in keeping housing costs down.

• The impact of low labor costs and lower property taxes on homeownership.

• How St. Louis's stable and diversified job market, with headquarters for companies like Boeing, Edward Jones, and Emerson, creates a resilient economy.

• The unique real estate trend in St. Louis where city living is more affordable than the suburbs.

• The lifestyle benefits of living in St. Louis, including low gas prices and easy transportation.

Don't forget to LIKE, SHARE, and SUBSCRIBE for more insights on building wealth and living your dream lifestyle through real estate!

Ready to find out how much your home is worth or explore your homeownership options? Get a free, personalized home value report delivered right to your inbox with Homebot. This powerful tool provides real-time home valuations, market insights, and even helps you explore refinance opportunities—all for free. Click here to get your Homebot report: https://hmbt.co/HZmjRn

Ready to make your move?

Contact Angela Dillmon for expert real estate advice and guidance.

The Dillmon Group of Keller Williams Realty Chesterfield

📞 (314) 277-7713

📧 [email protected]

🔗 https://adillmon.kw.com/

For Refinancing and Home Loans: Connect with Glen Calvin to secure the best rates and terms.

Guild Mortgage

Branch Manager | NMLS #742330

📞 (314) 249-2861

📧 [email protected]

🔗 https://branches.guildmortgage.com/mo/chesterfield/glen-calvin-714-cngca.html

#StLouisRealEstate #StLouisHomes #AffordableLiving #RealEstatePodcast #StLouisMO #StLouisRealtor #FirstTimeHomeBuyer #RealEstateInvesting #Homebot #StLouisHousingMarket

Uncover the secrets of the St Louis luxury real estate market! In this episode of "Fun & Mentals of Real Estate," hosts Angela Dillmon and Glen Calvin dive deep into what a budget of $750,000 can buy you in and around St. Louis. We explore dream homes, the reality of affording a luxury property, and the incredible real estate appreciation that makes St. Louis an ideal market for wealth building. Whether you're a first-time home buyer, a move-up buyer, or just curious about the market, this podcast is packed with valuable insights.Angela and Glen break down the numbers, discussing monthly mortgage payments, the household income required to afford a $750,000 home, and the best neighborhoods to find your dream house. From Chesterfield and Ballwin to Clayton and Eureka, we cover key areas and their average price points. Learn how your first home can be a stepping stone to a multi-million dollar property and why getting into the St. Louis market now is a smart financial move. This episode is a must-watch for anyone interested in the St. Louis housing market, providing expert analysis on current trends, low inventory, and the long-term investment potential of homeownership.Get FREE access to Homebot to track your home's value: 🔗 https://hmbt.co/HZmjRnContact Info:Angela DillmonThe Dillmon Group of Keller Williams Realty Chesterfield📞 (314) 277-7713📧 [email protected]🔗 https://adillmon.kw.com/Glen CalvinGuild MortgageBranch Manager | NMLS #742330📞 (314) 249-2861📧 [email protected]🔗 https://branches.guildmortgage.com/mo/chesterfield/glen-calvin-714-cngca.html

St. Louis homeowners, are you ready to buy a bigger house? This episode for move-up buyers discusses what a $90K–$100K household income can afford you in the competitive St. Louis housing market. We'll cover leveraging your home's equity, understanding interest rates, and key neighborhoods within your price range.

• Move-Up Buyer Strategy: Discover how your current home's appreciation can provide the down payment for your next house, and how to use that equity to pay off other debts like student loans or credit cards.

• The Power of Your Income: Get a real-world scenario on how a $90,000 household income, with typical debt, can afford a $400,000 home in St. Louis.

• St. Louis Neighborhoods: Learn which St. Louis County and St. Charles County neighborhoods, like Ballwin, Manchester, Kirkwood, Webster Groves, and more, are within reach for move-up buyers.

• Interest Rates and Loan Types: Get insights into current interest rates and how they affect different loan types, including why FHA loans may have a lower rate than conventional loans.

Ready to make your next move in the St. Louis real estate market? Don't miss this essential guide to building wealth and finding your dream home.

Disclaimer: Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274. Glen Calvin, NMLS #742330, is authorized to do business in the states of Florida, Illinois, Kansas and Missouri. The information provided today is for educational purposes only. The positions, strategies or opinions of the show do not necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. Each loan is subject to underwriter final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deductions. Guild Mortgage Company is not affiliated with Angela Dillmon or Keller Williams.

Angela Dillmon

The Dillmon Group of Keller Williams Realty Chesterfield

📞 (314) 277-7713

📧 [email protected]

🔗 https://adillmon.kw.com/

Glen Calvin

Guild Mortgage

Branch Manager | NMLS #742330

📞 (314) 249-2861📧 [email protected]

🔗 https://branches.guildmortgage.com/mo/chesterfield/glen-calvin-714-cngca.html

Discover your home's true value and unlock its wealth-building potential. Download your free Homebot report today to track your equity and make informed decisions about your next home purchase. Get FREE access to Homebot now: https://hmbt.co/HZmjRn

#StLouisRealEstate #MoveUpBuyer #HomeBuying #StLouisHomes #RealEstatePodcast #MortgageTips #HomeEquity #WealthBuilding #FirstTimeHomeBuyer #MissouriRealEstate #HomeBuyingAdvice #Affordability #Homebot

Navigating the St. Louis real estate market as a first-time homebuyer can be overwhelming. In this episode of The Fun and the Mentals of Real Estate, hosts Angela Dillmon and Glen Calvin break down the most common question they get: "How much home can I afford?"

Join Angela and Glen as they get "very mental" about the numbers you need to know. They cover everything from average home prices in the St. Louis area to the crucial factors lenders consider, like income, debt, and down payments.

What you'll learn in this episode:

• What is the average price point for first-time homebuyers in St. Louis?

• The four most important numbers a lender looks at to determine your home affordability.

• A real-world example of how to calculate what you can afford on a $60k annual household income.

• Key differences between FHA and conventional loans and which might be best for you.

• Surprising St. Louis neighborhoods that are still affordable for first-time buyers, from Valley Park to South County and parts of the city.

• Why waiting to buy a home could be a mistake, especially with St. Louis's rapid appreciation.

Whether you're just starting to think about buying your first home or are ready to get pre-approved, this episode is your essential guide to understanding the numbers and finding your dream home in the St. Louis real estate market.

Ready to take the next step?

For all your real estate questions and to start your home search, contact Angela Dillmon, your St. Louis Realtor:Phone: 314-277-7713

To get pre-approved for a home loan and discuss your financing options, contact Glen Calvin, your local lender:Phone: 314-249-6861

Get FREE access to Homebot, the ultimate tool for homeowners and buyers to track their home's value and market insights: https://hmbt.co/HZmjRn

Follow us for more real estate insights:The Fun and the Mentals of Real Estate

Subscribe on Spotify, Apple Podcasts, or wherever you listen!

Disclaimer: Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274. Glen Calvin, NMLS #742330, is authorized to do business in the states of Florida, Illinois, Kansas and Missouri. The information provided today is for educational purposes only. The positions, strategies or opinions of the show do not necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. Each loan is subject to underwriter final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deductions. Guild Mortgage Company is not affiliated with Angela Dillmon or Keller Williams.

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.