The Texas Real Estate & Finance Podcast with Mike Mills

In this episode of the Texas Real Estate and Finance Podcast, host Mike Mills discusses the current state of the real estate market, including the expectation of rate cuts in 2024 and a proposed bill in Congress to ban hedge funds from buying large numbers of single-family homes. He also covers the Black Friday sales numbers and the impact of commission lawsuits on the real estate industry. Mills provides insight into the appeals process for the National Association of Realtors and the defendants in the Burnett case, expressing hope for a positive outcome.

The Fed's Rate Cut Expectations (00:00:08)

Discussion on the likelihood of big rate cuts in 2024 and concerns about deflation and inflation trajectory.

Proposed Bill to Ban Hedge Funds from Buying Real Estate (00:03:28)

Details on a bill proposed in Congress to ban hedge funds from buying large amounts of single-family homes and its potential impact on housing affordability.

Black Friday Sales Numbers (00:05:10)

Analysis of misleading headlines about Black Friday sales, including the actual increase in sales volume when adjusted for inflation.

The Burnett Case (00:07:43)

The speaker discusses the appeals process for the defendants in the Burnett case and how it may work out better than expected due to the lack of emotion and more focus on evidence and facts.

Lawsuits and Precedent (00:08:41)

The market is uncertain due to ongoing lawsuits, and the hope is that the Department of Justice will issue a ruling to prevent ambulance chasers from targeting brokers and agents. The speaker emphasizes that realtors are not trying to rob homeowners and that they are just caught in controversy between lawyers and the industry.

Adapting to Change (00:09:32)

The speaker advises agents to understand the changes happening in the industry, be prepared to answer clients' questions and stay calm and focused until the situation is resolved. The potential negative impact of significant changes on consumers is mentioned, and agents are encouraged to educate themselves and know their value proposition.

Do you want to enhance your overall well-being and productivity as a real estate professional? Discover how realtors achieve peak performance through real estate wellness. Tips for balancing career and health for success. I will be sharing the solution to help you achieve optimal performance and a healthier state of mind. By prioritizing self-care, you can experience improved mental and physical health, leading to greater success in your career. It's time to invest in yourself and reap the benefits of a balanced and fulfilling life.

In this episode of the Texas Real Estate & Finance Podcast, host Mike Mills chats with guest Jenny Merchant about the significance of prioritizing self-care, particularly in the real estate industry. Jenny, a dedicated realtor with a passion for fitness and wellness, shares her personal journey of realizing the importance of health after facing cancer. The conversation delves into the challenges of balancing a demanding real estate career with personal well-being and the positive impact that prioritizing health can have on one's success in the field. Jenny's insights offer a relatable perspective and valuable advice for real estate professionals looking to improve their overall well-being and productivity. Her journey serves as an inspiring example of the transformative power of self-care, making this episode a must-listen for real estate professionals seeking to achieve a healthy work-life balance and enhance their success in the industry.,In this episode of the Texas Real Estate & Finance Podcast, host Mike Mills engages in a conversation with guest Jenny Merchant, a full-time realtor with a deep-rooted passion for fitness and wellness. The discussion centers on the importance of prioritizing self-care, particularly in the real estate industry, and the impact it can have on professional success. Jenny's personal journey, marked by a shift in perspective following a battle with cancer, provides valuable insights into the challenges of balancing a demanding real estate career with personal well-being. Her experiences and advice serve as an inspiring example for real estate professionals seeking to achieve a healthy work-life balance and enhance their overall productivity. Listeners are encouraged to tune in to gain a relatable perspective and glean practical strategies for integrating self-care into their professional lives, ultimately improving their success in the real estate industry.

In this episode, you will be able to:

• Prioritizing self-care is essential for real estate professionals to maintain balance and avoid burnout.
• Exercise can significantly improve the overall well-being and productivity of real estate professionals.
• Transitioning to a vegan lifestyle can positively impact the energy and focus of real estate professionals.
• Incorporating healthy habits into daily routines can enhance the mental and physical resilience of real estate professionals.
• Mindful eating and dietary choices play a crucial role in supporting the long-term health and vitality of real estate professionals.

Connect with me here:

• https://www.twitter.com/twitter.com/mikemillsMTG
• https://www.linkedin.com/linkedin.com/in/mike-mills-49a09621/
• https://www.youtube.com/youtube.com/@mikemillsmortgage
• https://www.youtube.com/youtube.com/@mikemillsmortgage
• https://www.facebook.com/facebook.com/millsmortgage/

In this episode of the Texas Real Estate and Finance Podcast, host Mike Mills provides a comprehensive market update for the week of December 5th. Despite recovering from sinus surgery, Mills discusses various topics including the stock market's recent climb, the contrasting movements of gold and Bitcoin, conflicting economic data, and the Federal Reserve's plans regarding interest rates. He also covers updates in the real estate industry such as increased loan limits and ongoing realtor lawsuits. The episode concludes with a discussion about Homes, a real estate portal, and an invitation to an upcoming episode featuring a guest agent.

The stock market and AI bubble (00:01:47) Discussion on the concentration of tech stocks in hedge fund portfolios and the potential for an AI bubble in the market.

Bitcoin and gold trends (00:02:39) Exploration of the recent movements of bitcoin and gold, including the sharp decline in gold and the rise of bitcoin.

Interest rate news and mortgage rates (00:06:15) Updates on the Federal Reserve's stance on interest rates, market expectations for rate cuts, and the impact on mortgage rates.

The conforming loan limits and real estate lawsuits (00:07:15) This topic covers the announcement of conforming loan limits and the ongoing real estate lawsuits, including the reopening of the investigation into the National Association of Realtors (NAR) by the Department of Justice.

Departure of brokerages from NAR and ongoing lawsuits (00:08:13) This topic discusses the decision of a Coldwell Banker franchise in Seattle to not renew its NAR affiliation, along with other brokerages such as Redfin and RE/MAX distancing themselves from NAR. It also mentions the expected trial dates for the Mueller Commission lawsuit and the final ruling in the Burnette case.

Introduction to Homes and its features (00:09:09) This topic provides an overview of Homes, the fourth largest real estate portal in the US, and its services for real estate professionals. It mentions the acquisition of Homes by CoStar, the inclusion of various property information such as crime score and mortgage calculator, and the ability for realtors to create profiles and advertise themselves on neighborhood pages.

The real estate market update (00:14:16) Discussion on the importance of realtors becoming familiar with homes and utilizing online platforms during uncertain times.

Staying healthy and managing your business (00:14:59) An upcoming episode featuring an agent sharing her secrets on maintaining good health while managing a real estate business.

Closing remarks and gratitude (00:14:59) Expressing gratitude for the support and encouraging listeners to follow and subscribe to the podcast. Mentioning recent surgery and appreciating the audience's patience.

If you're feeling overwhelmed and frustrated by the mortgage process, then you are not alone! Many potential home buyers find themselves struggling to make informed decisions and avoid potential issues because they lack the necessary education and guidance. They may be relying on outdated or inaccurate information, leading to costly mistakes and delays in their home buying journey. Instead of the result they're looking for, they may find themselves facing unexpected obstacles and feeling uncertain about their choices.

In this episode of the Texas Real Estate & Finance Podcast, guest Jen Gaudio shares valuable insights on the mortgage process and navigating the complexities of the real estate market. With her expertise in real estate finance, Jen emphasizes the significance of being prepared for potential tax increases and understanding market conditions when making offers. She also sheds light on the importance of thorough home inspections and the role of experienced professionals in guiding buyers through the process. By listening to this episode, you'll gain a deeper understanding of the financial considerations involved in the home buying journey and learn essential tips for making informed decisions. Jen's expertise and practical advice make this episode a must-listen for potential home buyers who are navigating the mortgage process, providing valuable knowledge to help you avoid potential issues and make sound choices.,In this episode of the Texas Real Estate & Finance Podcast, guest Jen Gaudio offers invaluable insights into the intricacies of the mortgage process and the real estate market. Drawing from her expertise in real estate finance, Jen highlights the importance of preparing for potential tax increases and understanding market conditions when making offers. She also emphasizes the significance of comprehensive home inspections and the pivotal role of experienced professionals in guiding buyers through the process. Listeners will gain a deeper understanding of the financial considerations involved in the home buying journey and acquire essential tips for making informed decisions. Jen's expertise and practical advice make this episode essential for potential home buyers navigating the mortgage process, providing valuable knowledge to help them avoid potential issues and make sound choices.

In this episode, you will be able to:

• Understand how the mortgage process works to make informed decisions.
• Find the right realtor and lender to guide you through the home buying journey.
• Learn about the factors that can impact your mortgage payments.
• Take charge of your financial matters upfront for a smoother home buying experience.
• Recognize the importance of hiring professionals to support your home buying journey.

Connect with me here:

• https://www.youtube.com/youtube.com/@mikemillsmortgage
• https://www.youtube.com/youtube.com/@mikemillsmortgage
• https://www.linkedin.com/linkedin.com/in/mike-mills-49a09621/
• https://www.facebook.com/facebook.com/millsmortgage/
• https://www.twitter.com/twitter.com/mikemillsMTG

The Texas Real Estate and Finance Podcast - Nov 27th Weekly Update

Howdy, real estate pros! Mike Mills is back with another episode of The Texas Real Estate and Finance Podcast. In this week's jam-packed episode, Mike Mills dives deep into the latest developments in the real estate and financial markets, offering his unique insights and witty commentary. From Black Friday sales numbers to the potential housing crash, banking issues, and realtor lawsuits, this episode is a must-listen for anyone in the industry.

Episode Highlights:

1. **Black Friday Sales and the Economy:** Mike breaks down the Black Friday sales numbers and explores whether the seemingly robust economy has hidden vulnerabilities.

2. **New Homes Sales Data:** Is the much-discussed housing crash finally upon us? Mike analyzes the latest New home sales data and its potential implications for future home prices.

3. **Banking Issues and Black Swan Events:** Get ready for a rollercoaster ride as Mike discusses underlying banking issues that could trigger unexpected economic downturns.

4. **Realtor Lawsuits:** Stay informed about the latest lawsuits hitting realtors and brokerages nationwide. Find out how these legal challenges might affect your paycheck and the industry as a whole.

5. **Productivity Hack for 2024:** Mike shares a valuable productivity hack to help you plan your business and navigate potential changes coming in 2024.

**Upcoming Highlights:**

1. **Homes.com Deep Dive:** In the next episode, Mike will provide an in-depth analysis of Homes.com, exploring what they have to offer and whether it's something worth considering for real estate professionals.

2. **Personal Finance Series:** Mike's embarking on a personal finance journey with his daughter, and he's inviting you along for the ride. Join them as they prepare for her college years, covering topics like bank accounts, investment strategies, and budgeting.

**Conclusion:**

Don't miss out on the latest insights and updates in the world of Texas real estate and finance. Subscribe, share, and leave a review to support the podcast and stay informed. Tune in next week for more exciting content and discussions. Keep your boots on the ground and your eyes on the market with The Texas Real Estate and Finance Podcast!

Timestamps:

Black Friday Numbers and the Economy (00:00:53) Discussion on the Black Friday shopping numbers and the potential impact on the economy, including the hidden storm cloud on the horizon.

New Home Sales Data and the Future of Home Prices (00:01:43) Analysis of the latest new home sales data and its implications for the housing market, including the possibility of a housing crash and the future of home prices.

Migration Patterns and Home Prices in Texas (00:04:23) Exploration of the migration patterns in Texas, particularly the influx of cash buyers from states like California and New York, and the impact on home prices in the state.

The decline in median home prices (00:06:09) Explanation of the decline in median home prices and the factors influencing it, such as the mix of homes being sold.

Quality of construction in new homes (00:07:58) Discussion on the decreasing quality of construction in new homes due to rising costs and regulations, and the importance of getting a home inspection.

Unemployment's impact on the housing market (00:08:52) Analysis of how unemployment affects the housing market, with a focus on the lower socio-economic scale and the likelihood of inventory flooding the market.

The borrowing rate for banks in the Fed Emergency Fund (00:12:24) Discussion on the difficulty of finding the borrowing rate for banks in the Fed Emergency Fund and the potential consequences of small regional banks tapping into this fund.

Outflows and deposits in small banks and the state of the economy (00:13:14) Explanation of how small banks are experiencing outflows and deposits, indicating potential economic weakness, and the impact on mortgage rates.

Real estate lawsuits against realtors and brokers (00:14:09) Overview of various real estate lawsuits filed against realtors, brokers, and MLS, including antitrust cases and accusations against Gary Keller of Keller Williams.

Preparing for Changes in Real Estate (00:18:38) Discussion on how lawsuits will impact realtors and brokers, and the need to adjust commission structures and buyer/seller relationships.

Planning for 2024 (00:19:40) Emphasizing the importance of preparing for changes in the real estate market by planning for the worst-case scenario and being ready for increased demand and expectations.

Productivity Hack: Planning Your Day (00:20:25) Advice on using a calendar to plan out your day, reduce stress, and create space for thoughts and ideas by organizing tasks and commitments.

Creating Your Ideal Week (00:24:00) Tips on how to schedule your time effectively and prioritize important activities, with a focus on using Google Calendar.

Upcoming Topics on the Podcast (00:24:41) Announcement of future episodes, including a deep dive into the world of homes and a series on personal finance with the host's daughter.

Conclusion and Call to Action (00:25:29) Closing remarks, encouraging listeners to provide feedback, subscribe, share, and leave reviews to support the podcast. Teaser for upcoming episodes.

Join Mike Mills and his daughter, Catey Jane Mills, in an initial discussion about the importance of financial education for young adults. As they delve into topics like credit cards, budgeting, and retirement accounts, and start the journey of financial education. Come along for the ride as this is just the first step of many in Catey's financial education.

In this episode of the Texas Real Estate & Finance Podcast, host Mike Mills is joined by his daughter, Catey Jane Mills, to discuss the importance of financial education for young adults. Catey Jane brings a fresh perspective to the conversation as a young adult preparing for financial independence. Throughout the episode, they cover a wide range of topics, including the setup of an S Corp, scholarships and student debt, emergency funds and budgeting, credit cards and credit scores, and retirement accounts. Catey Jane initially expresses some reservations about learning about money, but acknowledges the long-term benefits and the importance of being financially savvy. With their friendly and relatable tone, Mike and Catey Jane provide valuable insights and practical advice to help young adults navigate the world of personal finance and achieve financial success. Whether you're just starting out on your financial journey or looking to improve your money management skills, this episode is a must-listen for young adults preparing for financial independence.

In this episode, you will be able to:

• Understand the importance of financial education and gain the confidence to take control of your financial future.
• Discover the secrets to building credit and learn how credit cards can be powerful tools when used responsibly.
• Master the art of budgeting and uncover effective strategies for tracking your expenses to achieve financial freedom.
• Plan for your retirement with ease by exploring the benefits of a Roth IRA and how it can help you secure a comfortable future.
• Unleash the potential of your investments by diving into the world of index funds and learn how to maximize your returns with minimal effort.

Connect with me here:

• https://www.twitter.com/twitter.com/mikemillsMTG
• https://www.facebook.com/facebook.com/millsmortgage/
• https://www.linkedin.com/linkedin.com/in/mike-mills-49a09621/
• https://www.youtube.com/youtube.com/@mikemillsmortgage
• https://www.youtube.com/youtube.com/@mikemillsmortgage

In this episode of the Texas Real Estate and Finance Podcast, host Mike Mills provides a weekly real estate market update. He discusses positive trends in the housing market, including increased housing starts and successful new builds. However, he also highlights challenges such as inflation, job layoffs, and the high cost of living. Mills also addresses speculation around Homes.com's potential involvement in commission lawsuits. He emphasizes the importance of being proactive in the changing real estate landscape, prioritizing self-care, and treating real estate as a business, not a hobby.

• Positive signs in the housing market
• Housing starts up from previous year
• New builds doing well
• Mortgage rates have gone down
• Inflation and its impact on the housing market
• Job layoffs and its potential impact on the banking industry
• Speculation surrounding Homes.com's involvement in commission lawsuits
• Importance of being proactive and prepared for changes in the real estate market
• Building and maintaining relationships with your sphere of influence
• Prioritizing self-care and treating real estate business like a business

Housing Starts and New Builds (00:02:57) Positive signs in the housing market, with housing starts up 14% from last year and new builds doing well.

Mortgage Rates and Purchase Applications (00:04:08) Rates have gone down, resulting in a 5% increase in purchase applications in one week.

Inflation and Rate Hike Forecast (00:05:46) Inflation is coming down, with PPI falling below expectations. The market expects no rate hike in December and potential rate cuts in May 2024 or later.

Inflation and the Economy (00:06:39) Discussion on inflation rates, rising costs of necessities, and the impact on the economy.

Job Layoffs and Banking (00:07:36) Mention of increased job layoffs, layoffs in the banking industry, and credit rating downgrades for major banks.

Walmart's Concerns (00:09:16) Walmart's stock decline, their concerns about the strength of the US consumer, and the impact of high interest rates on auto loans and credit cards.

The impact of commission lawsuits (00:13:38) Discussion on the speculation about the involvement of homes in funding commission lawsuits and the CEO's statement denying their involvement.

The potential ban on shared commissions (00:14:34) Overview of a report by a market evaluation company, KBW, predicting a 50-75% chance of a ban on shared commissions and the potential decrease in agent count.

Homes positioning themselves in the changing market (00:16:33) Exploration of how homes is positioning itself as a national MLS and potential benefactor in the market, including their new model of lead generation for listing agents.

Preparing for Changes in the Real Estate Market (00:20:48) The speaker emphasizes the importance of being prepared for changes in the real estate market and encourages listeners to develop a plan for the future.

Addressing Questions from Buyers and Sellers (00:21:29) The speaker discusses the potential for questions from buyers and sellers regarding potential rulings and offers advice on how to answer those questions.

Planning for the Future and Setting Income Goals (00:24:02) The speaker advises listeners to assess their past performance, set income goals for the upcoming year, and develop a plan to reach those goals.

The importance of self-care and planning (00:26:44) Speaker 1 discusses the importance of being deliberate and methodical in daily activities, taking care of oneself physically and mentally, and having a plan in place to navigate the changing real estate landscape.

Being knowledgeable and positioning oneself as an expert (00:27:27) Speaker 1 emphasizes the need for continuous education, staying informed about industry trends, and being knowledgeable about what affects buyers and sellers in order to position oneself as an expert in real estate.

The courage to continue and potential for greatness (00:29:01) Speaker 1 quotes Winston Churchill, emphasizing the importance of courage and perseverance in the face of challenges, and reminds listeners that their potential for greatness in the real estate industry is in their hands.

In a shocking turn of events, the real estate industry is facing an unexpected twist that has sent ripples of uncertainty across the market. The NAR lawsuit, known as the Sitzer Burnett case, has taken a dramatic turn with a jury's verdict favoring the home seller plaintiffs. This unexpected outcome has left real estate professionals grappling with the potential consequences and implications for their businesses. As the dust settles, the industry is left with more questions than answers, begging the crucial question: What does the future hold for cooperative compensation and the entire real estate community? Stay tuned as we dive into the details of this groundbreaking lawsuit and explore its far-reaching impact on the Texas real estate market.

In this episode of the Texas Real Estate & Finance Podcast, you'll hear from guest Amy Cearnal, an expert in the real estate industry. Amy brings her unique insights and expertise to discuss the potential impact of recent lawsuits on the industry. She raises important points about the need for realtors to define their value and effectively communicate their services to clients. The conversation also touches on the role of technology companies like Zillow and the potential consequences for buyers and sellers. Amy emphasizes the importance of adaptation and differentiation in this ever-changing landscape. Whether you're a real estate agent or simply interested in the industry, this episode will provide valuable insights and guidance on how to navigate the uncertainties and challenges that lie ahead. Tune in to stay informed, proactive, and ready to adapt to the changing real estate and finance landscape.

In this episode, you will be able to:

Understand the impact of the NAR Lawsuit and how it affects your real estate business.

Discover the potential consequences for buyer's agents in the ever-changing real estate landscape.

Learn the crucial role of realtors in adapting to a rapidly evolving industry.

Overcome the uncertainty and challenges faced by real estate agents with actionable strategies.

Gain insights on how to adapt and thrive in the shifting real estate landscape.

Connect with me here:

https://www.youtube.com/youtube.com/@mikemillsmortgage

https://www.youtube.com/youtube.com/@mikemillsmortgage

https://www.linkedin.com/linkedin.com/in/mike-mills-49a09621/

https://www.twitter.com/twitter.com/mikemillsMTG

https://www.facebook.com/facebook.com/millsmortgage/

Welcome to another episode of the Texas Real Estate and Finance Podcast with your host, Mike Mills. Today, we have an exciting lineup of topics that will surely pique your interest. We'll be diving into the current state of inflation, interest rates, inventory, the U.S. credit rating, potential government shutdown, changes to the IRS tax code, and a recent report from the National Association of Realtors.

Additionally, we'll be exploring the characteristics of homebuyers and the homes they purchase. Have you ever wondered about the latest trends in the real estate market? Well, we'll be discussing some fascinating statistics, such as the increasing numbers of first-time buyers and single female buyers. These trends have significant implications for both buyers and sellers, and it's crucial to understand them for effective marketing in the real estate industry.

So, if you're curious about the impact of inflation and interest rates on the housing market, the potential consequences of a government shutdown, or the latest changes to the IRS tax code, this episode is for you.

Get ready to expand your knowledge and gain valuable insights. Let's dive right in!

The Impact of Inflation on Interest Rates (00:00:08)

Discussion on the recent inflation data and its potential impact on future interest rates.

Changes to the IRS Tax Code (00:01:01)

Explanation of upcoming changes to the IRS tax code and their implications for real estate professionals.

Insight into the National Association of Realtors Report (00:01:47)

Overview of the latest report from the National Association of Realtors, focusing on buyer and seller demographics and its relevance for marketing strategies.

The strain on regional banks and commercial real estate market (00:07:25)

Discussion on the impact of a big entity vacating office spaces and the potential strain on regional banks and landlords.

Cryptocurrency market growth and US debt (00:08:18)

Overview of the significant increase in value of cryptocurrency markets and the record-high US household debt.

US credit downgrade and potential government shutdown (00:09:16)

Explanation of the US credit rating downgrade, the potential government shutdown, and the impact on borrowing costs and budget agreements.

First-time Homebuyer Trends (00:14:58)

The characteristics and demographics of first-time homebuyers, including age, marital status, and the increasing presence of single females in the market.

Housing Preferences for Older Buyers (00:15:49)

The housing preferences of older buyers, including the increase in senior-related housing and the downsizing trend towards condos and townhomes.

Factors Influencing Home Purchases (00:18:23)

The factors that buyers consider when purchasing a home, such as the quality of the neighborhood, convenience to friends and family, and overall affordability.

Financing the Home Purchase (00:22:32)

Discussion on the percentage of recent buyers who financed their home, the typical down payment for first-time and repeat buyers, and the sources of down payment.

Saving for a Down Payment (00:24:14)

Exploration of the challenges faced by first-time homebuyers in saving for a down payment and the need for content and advertising focused on this topic.

Home Sellers (00:25:42)

Insights into the typical age of home sellers, their reasons for selling, the average tenure of homeownership before selling, and the median time homes spent on the market.

If you're feeling overwhelmed by the constant fluctuations in the real estate market and struggling to find consistent success, then you are not alone! Despite your best efforts to stay updated on market trends and analyze data, you may find that your listings are sitting on the market for longer than expected and potential buyers are hesitant to make offers. Instead of the desired result of closing deals and earning commissions, you may be experiencing frustration and uncertainty in your real estate career. But don't despair, as there are strategies and solutions available to help you navigate these challenges and achieve the success you desire.

In this episode of the Texas Real Estate & Finance Podcast, you'll want to tune in to hear from guest Tanya Bugbee, a real estate coach who brings a wealth of knowledge and expertise to the table. Tanya shares insights on the importance of staying connected with clients and building systems that can adapt to external factors that may impact their interest in real estate. She emphasizes the value of long-term follow-up and provides practical tips for establishing trust and accountability with clients. Tanya also discusses the current challenges in the real estate market, such as high-interest rates and home prices, and offers strategies for addressing client concerns and providing valuable information. Whether you're a seasoned real estate professional or just starting out, this episode is packed with valuable advice and actionable steps to navigate the challenges of the real estate market. So grab your headphones and get ready to gain insights from Tanya Bugbee on the Texas Real Estate & Finance Podcast.

In this episode, you will be able to:

• Boost your success by conquering real estate market challenges in
• Unlock personalized strategies that will skyrocket your real estate business.
• Discover why maintaining a strong database is crucial for long-term success.
• Learn how to confidently ask for referrals during the contract process.
• Master the art of staying in touch with clients and building effective systems.

Connect with me here:

• https://www.linkedin.com/linkedin.com/in/mike-mills-49a09621/
• https://www.youtube.com/youtube.com/@mikemillsmortgage
• https://www.youtube.com/youtube.com/@mikemillsmortgage
• https://www.facebook.com/facebook.com/millsmortgage/
• https://www.twitter.com/twitter.com/mikemillsMTG