Want to stand out as a Realtor in 2025? With digital marketing, social media, and AI transforming the industry, agents who adapt will dominate—while those who don’t risk being left behind. In this episode, we break down the ultimate Realtor marketing strategies for 2025, helping you attract leads, grow your brand, and future-proof your business!

In "Realtor Marketing Strategies 2025: The Ultimate Guide to Digital Success," we uncover the must-know digital marketing strategies for real estate professionals. Chelsea Gardner, Founder of Fully Aligned Marketing, joins us to reveal the proven techniques that top-producing agents are using to generate leads, build trust, and close more deals.

Here’s what we cover in this episode:

✅ Social Media Marketing for Realtors – Why authenticity beats perfection and how to create content that builds real connections.

✅ AI & Automation in Real Estate – How AI-powered workflows can streamline lead generation, follow-ups, and social media posting.

✅ Lead Generation & Branding Strategies – The key to converting social media followers into paying clients.

✅ Email Marketing That Converts – Why email remains one of the highest-converting tools for real estate professionals.

✅ Scaling Your Business with Smart Digital Strategies – How to balance engagement and automation for maximum results.

If you want to attract more buyers and sellers, grow your online presence, and dominate your market in 2025, this episode is packed with actionable insights just for you!

✅ Authenticity Wins: Stop Over-Curating Your Content

Today’s real estate clients want to connect with real people, not scripted sales pitches. Realtors who embrace authentic, behind-the-scenes content will build stronger relationships and trust. Forget perfection—start posting and let your personality shine!

✅ Engagement is More Important Than Followers

A big following doesn’t mean big business. The real key to success is engaging with potential clients, responding to comments, and building relationships online. Realtors who actively connect with their audience will convert more leads and close more deals.

✅ AI & Automation Are Game-Changers for Realtors

AI-powered tools can automate lead generation, manage follow-ups, and schedule social media content, allowing agents to focus on closing deals. Those who integrate AI-driven workflows will outpace competitors who rely on outdated manual processes.

✅ Email Marketing Still Outperforms Social Media in Conversions

While social media helps with visibility, email marketing consistently delivers higher conversion rates. The best strategy? Use social media to build an email list, then nurture those leads with valuable content and follow-ups.

✅ A Strong Personal Brand Will Drive Long-Term Success

The most successful agents position themselves as trusted experts through strategic branding, valuable content, and consistent engagement. Staying visible, educating your audience, and reinforcing your expertise will make you the go-to Realtor in your market.

Chelsea Gardner is the Founder & Chief Enthusiasm Officer of Fully Aligned Marketing, a premier digital marketing agency specializing in real estate branding, social media marketing, and AI-driven automation. With over 15 years of experience in marketing—including healthcare, mortgage, and real estate—Chelsea has helped countless professionals scale their businesses through cutting-edge marketing strategies.

At Fully Aligned Marketing, Chelsea and her team provide done-for-you social media management, paid ad campaigns, email marketing, and one-on-one coaching to help agents and loan officers increase their visibility and generate more leads.

Beyond her agency, Chelsea is also the co-founder of The Aiden Jared Foundation, a nonprofit dedicated to supporting families with exceptional children. As a business owner, special needs advocate, and marketing expert, she brings a unique perspective on balancing entrepreneurship with real-life challenges.

In this episode, Chelsea shares insider strategies on real estate marketing, social media growth, and how AI is reshaping the industry.

📌 Chelsea Gardner & Fully Aligned Marketing

🌐 Website: https://fullyalignedmarketing.com

🔗 LinkedIn: https://www.linkedin.com/in/fullyalignedmarketing/

📘 Facebook: https://www.facebook.com/fullyalignedmarketing

📌 The Texas Real Estate & Finance Podcast

🎙 Podcast Website: https://www.thetexasrealestateandfinancepodcast.com

🔗 Linktree: https://linktr.ee/mikemillsmortgage

📌 Marketing & AI Tools for Realtors

📩 Email Marketing for Realtors – Build and nurture your database

🤖 AI-Powered Lead Generation – Automate workflows and follow-ups

📱 Social Media Branding Strategies – Engage your audience and generate leads

📌 Additional Resources

🏡 The Aiden Jared Foundation – Supporting families with exceptional children

🌎 Website: https://theaidonjaridfoundation.org/

📢 Don’t miss this episode of The Texas Real Estate & Finance Podcast!

🎧 Available on Spotify, Apple Podcasts, YouTube, and all major podcast platforms.

🚀 Enjoying the podcast? Leave a review and share this episode with your fellow Realtors! Your support helps us bring more valuable content to real estate professionals like you.

[0:00 - 3:30] – The Shift Toward Authentic Real Estate Marketing in 2025

[3:31 - 6:45] – Why Realtors Must Prioritize Marketing in a Slower Market

[6:46 - 10:15] – Overcoming Fear: Why You Need to Start Posting Now

[10:16 - 14:30] – The Debate: Should Realtors Focus on One Platform or Be Everywhere?

[14:31 - 18:00] – Engagement vs. Vanity Metrics: What Really Drives Real Estate Leads?

[18:01 - 22:45] – Creative Video Strategies for Realtors Who Hate Being on Camera

[22:46 - 27:10] – Humor, Education, or Controversy? What Type of Content Converts Best

[27:11 - 31:45] – The Hidden Power of Staying Visible to Past Clients & Referral Partners

[31:46 - 36:15] – Why Realtors Need Email Marketing (Even If No One Reads Emails)

[36:16 - 40:40] – Owning Your Audience: How to Convert Social Media Followers Into Clients

[40:41 - 45:55] – AI & Automation: Why Real Estate Agents Must Adapt or Get Left Behind

[45:56 - 50:20] – Step-by-Step: How to Automate Real Estate Marketing & Lead Generation

[50:21 - 54:50] – Where to Start with AI & Marketing Automation for Realtors

[54:51 - 57:49] – Fully Aligned Marketing Services & Final Takeaways

The real estate and mortgage industries are facing major disruptions—are you ready? With the CFPB under Trump rolling back regulations and HUD layoffs threatening FHA loan processing, these changes could significantly impact Realtors, lenders, and homebuyers. In this episode, we break down how these shifts could reshape the housing market and what real estate professionals must do now to stay ahead.

The CFPB under Trump is undergoing major restructuring, and HUD layoffs could slow down FHA and USDA loan approvals—but what does this mean for Realtors, lenders, and homebuyers? In this episode, Mike Mills sits down with Aaron VanTrojen, CEO of Geneva Financial, to break down:

✅ How CFPB deregulation could reshape mortgage lending and consumer protections.

✅ The real impact of HUD layoffs on government-backed loans like FHA and USDA mortgages.

✅ The Fannie Mae & Freddie Mac conservatorship debate and whether privatization could raise mortgage rates.

✅ Why a housing market crash is unlikely, despite shifting economic conditions.

✅ How AI, automation, and technology are reshaping the future of real estate transactions.

If you're a Realtor, mortgage lender, or real estate investor, this episode is packed with critical insights to help you navigate industry changes and stay competitive in 2025 and beyond.

The Trump administration has weakened the CFPB, reducing oversight on mortgage lenders and financial institutions. While this removes compliance burdens, it also raises concerns about consumer protections and potential lending risks in the housing market.

Proposed HUD staff reductions of up to 50% could delay FHA and USDA loan processing, making home purchases harder for first-time buyers. Without a clear efficiency plan, these layoffs could disrupt the real estate market.

As policymakers debate removing Fannie Mae & Freddie Mac from government conservatorship, Realtors and lenders must consider the risks. Privatization could increase mortgage rates and reduce loan accessibility, affecting affordability.

Despite economic fears, low inventory and steady demand make a major housing crash unlikely. While affordability remains a challenge, the fundamentals of supply and demand support a stable market correction rather than a collapse.

AI and automation are revolutionizing the mortgage and real estate industries—but are they replacing professionals? Realtors and lenders who adapt to technology while maintaining a personal touch will thrive in the evolving market.

Aaron VanTrojen is the CEO and Founder of Geneva Financial, a national mortgage lender with branches across the United States. Recognized by Business Insider Magazine as one of America’s Best Large Company CEOs, he has built Geneva Financial into a company that prioritizes people over profits.

With over 20 years of experience in the mortgage industry, Aaron is a leading voice in housing finance, mortgage lending, and regulatory changes. Under his leadership, Geneva Financial has earned accolades such as:

🏆 “Best Mortgage Companies to Work For” – National Mortgage News

🏆 “#1 Mortgage Lender” – Ranking Arizona

🏆 “Best Company for Diversity” – Comparably

Outside of real estate, Aaron is an avid pilot and adventurer, traveling frequently with his wife, Telle VanTrojen, who serves as COO of Geneva Financial.

🔗 Podcast Website: https://www.thetexasrealestateandfinancepodcast.com

🔗 Mike Mills’ Linktree: https://linktr.ee/mikemillsmortgage

🔗 Geneva Financial Website: https://www.genevafi.com

🔗 Aaron VanTrojen LinkedIn: https://www.linkedin.com/in/vantrojen

🔗 Aaron VanTrojen Facebook: https://www.facebook.com/VanTrojen

🔗 News Article on CFPB Leadership Change: https://www.mpamag.com/us/news/general/trump-taps-new-cfpb-director/524825

🔗 Article on Potential HUD Layoffs: https://www.thetruthaboutmortgage.com/fha-layoffs-40-of-staff-to-be-let-go-in-latest-government-cuts/

This episode is a must-listen for Realtors, loan officers, and real estate investors navigating regulatory changes in mortgage lending, HUD policies, and the future of housing finance.

🎧 Enjoying the podcast? Subscribe & leave a review to help other real estate professionals discover these insights!

Timestamped Podcast Summary

[0:00 - 3:00] – Introduction & Overview of Regulatory Changes Impacting Real Estate

[3:01 - 6:00] – The CFPB’s Role in Mortgage Oversight & Its Impact on Homebuyers

[6:01 - 9:00] – The Trump Administration’s Approach to CFPB & What It Means for Lenders

[9:01 - 12:00] – Deregulation Risks: Could the Mortgage Industry Face Another 2008 Crisis?

[12:01 - 15:00] – State Regulations vs. Federal Oversight: The Future of Mortgage Compliance

[15:01 - 18:00] – HUD Layoffs & FHA Loan Processing: What Happens if 50% of Staff Are Cut?

[18:01 - 21:00] – Can Government Agencies Improve Efficiency Without Hurting the Housing Market?

[21:01 - 24:00] – Fannie Mae & Freddie Mac Conservatorship: Should They Go Private Again?

[24:01 - 27:00] – How Fannie & Freddie Shape Mortgage Rates & Housing Affordability

[27:01 - 30:00] – The Debate Over Government-Backed Mortgages & Taxpayer Risk

[30:01 - 33:00] – Will Rising Interest Rates & Inflation Keep Home Prices High?

[33:01 - 36:00] – Why a Housing Market Crash is Unlikely & What Buyers Should Expect

[36:01 - 39:00] – How Tariffs & Construction Costs Are Worsening the Housing Inventory Crisis

[39:01 - 42:00] – Do We Need a Recession to Fix the Housing Market?

[42:01 - 45:00] – Why Traditional Market Indicators Are Failing & What Investors Should Watch

[45:01 - 48:00] – How Realtors & Loan Officers Can Survive Industry Disruptions

[48:01 - 51:00] – AI & Automation in Real Estate: Tool or Threat?

[51:01 - 54:00] – The Key to Success in Real Estate: Hard Work, Adaptation & Personalization

[54:01 - End] – Closing Thoughts & Expert Advice for Mortgage Professionals

Texas home insurance rates are skyrocketing, leaving homeowners and real estate professionals scrambling for answers. In this episode, Mike Mills sits down with insurance expert Brad Bingham to uncover the real reasons behind these rate hikes—from extreme weather to shifting policy structures. Don’t miss this insider guide to protecting your clients, your investments, and your wallet in today’s volatile insurance market.

Texas home insurance rates are rising faster than ever, and real estate professionals need to understand why. In this episode of The Texas Real Estate & Finance Podcast, host Mike Mills welcomes Brad Bingham, a 25-year insurance veteran, to break down:

• What’s driving Texas insurance rates through the roof? Learn how weather events, inflation, and market shifts are reshaping policies.
• Why many homeowners are underinsured without realizing it. Discover the hidden policy changes that could leave you or your clients financially vulnerable.
• How to compare home insurance policies the right way. Avoid the common pitfalls that lead to costly mistakes.
• Smart strategies to lower insurance costs. Find out what adjustments can actually save money—without sacrificing critical coverage.

Whether you’re a Realtor, investor, or homeowner, this episode is packed with actionable insights to help you navigate rising home insurance rates in 2025.

Insurance premiums in Texas have increased by over 500% in the past decade, with companies requesting double-digit rate hikes year after year. Brad Bingham explains how rising claim payouts, inflation, and reduced market competition are making home insurance more expensive than ever.

Many insurers have quietly reduced coverage by shifting away from full replacement cost policies—leaving homeowners with unexpected out-of-pocket expenses when disaster strikes. Learn what to look for in an insurance policy to avoid getting caught off guard.

Not all policies are created equal! Simply choosing the lowest price can leave you dangerously underinsured. Brad shares the key questions every homebuyer and Realtor should ask when comparing quotes to ensure adequate coverage without overpaying.

Texas is experiencing more extreme weather events than ever before, and as population growth skyrockets in cities like Dallas and Austin, insurance companies are adjusting their risk models—leading to higher premiums for everyone.

From raising deductibles strategically to bundling policies and making smart home improvements, Brad reveals practical ways to lower your insurance costs while keeping the right level of protection.

Brad Bingham is an insurance industry expert and Allstate brokerage owner with over 25 years of experience helping homeowners, Realtors, and investors navigate complex insurance policies. His expertise in home, auto, and life insurance has made him a go-to resource for clients looking to maximize coverage and minimize costs. Known for his straightforward and honest approach, Brad specializes in explaining policy details in a way that’s easy to understand—helping Texans make smarter insurance decisions in an increasingly expensive market.

📌 Connect with Brad Bingham & Allstate Insurance

🔗 https://agents.allstate.com/brad-bingham-arlington-tx.html

📌 Texas Department of Insurance – Home Insurance Rate Filings

🔗 https://www.tdi.texas.gov

📌 How to Lower Your Home Insurance Costs (Texas.gov Guide)

🔗 https://www.tdi.texas.gov/tips/home-insurance-saving-tips.html

📌 The Texas Real Estate & Finance Podcast – Full Archive

🎙️ Website: https://www.thetexasrealestateandfinancepodcast.com

📌 Connect with Mike Mills

🔗 All Links in One Place: https://linktr.ee/mikemillsmortgage

Timestamped Podcast Summary

[0:00 - 3:00] - The Hidden Costs of Home Insurance Policies

[3:01 - 6:00] - Why Texas Home Insurance Rates Are Skyrocketing

[6:01 - 9:00] - How Insurance Availability Impacts Premiums in Texas

[9:01 - 12:00] - The Role of Inflation in Rising Insurance Costs

[12:01 - 15:00] - Texas Weather Trends & Their Effect on Insurance Claims

[15:01 - 18:00] - The Increase in Uninsured Homeowners & Drivers

[18:01 - 21:00] - Are Insurance Companies Overcharging or Covering Losses?

[21:01 - 24:00] - How Insurance Deductibles Work & Their Impact on Claims

[24:01 - 27:00] - The Truth About Contractor Pricing & Inflated Claims

[27:01 - 30:00] - The Role of Insurance Adjusters & Why They Get a Bad Reputation

[30:01 - 33:00] - How Lawsuits & Attorneys Drive Up Auto Insurance Costs

[33:01 - 36:00] - The Hidden Ways Insurance Companies Reduce Coverage to Lower Prices

[36:01 - 39:00] - Why Roof Replacement Costs Are Drastically Increasing

[39:01 - 42:00] - How to Shop for Insurance & Avoid Costly Mistakes

[42:01 - 45:00] - The Best Ways to Lower Your Home & Auto Insurance Premiums

[45:01 - 48:00] - Telematics & The Future of Auto Insurance Pricing

[48:01 - 51:00] - The True Cost of Distracted Driving & Its Impact on Insurance Rates

[51:01 - 54:00] - How Government Spending Affects Mortgage Rates & Housing Costs

[54:01 - 57:00] - The Importance of Trusted Referral Partners in Real Estate & Finance

[57:01 - 1:00:00] - Final Thoughts: How to Protect Yourself from Rising Insurance Costs

The market is shifting, and realtors who adapt will thrive. This week, we’re covering Austin’s cooling home prices, the latest mortgage rate forecast, and the best AI tools for real estate professionals looking to scale their business. Plus, our ‘Weekly Wildcard’ takes a deep dive into an unexpected economic twist that could shake up the housing market.

The real estate industry is evolving, and AI tools are becoming essential for realtors who want to work smarter, not harder. In this episode, Mike Mills breaks down:

✅ The Best AI Tools for Realtors – How automation is transforming lead generation, marketing, and client follow-ups.

✅ Austin’s Housing Market Slowdown – Why home prices are dropping, inventory is rising, and what it means for buyers and sellers.

✅ 2025 Mortgage Rate Predictions – Is 7% the new normal? What realtors need to know about where rates are headed.

✅ Pricing Strategies for Sellers – How to price homes competitively in a shifting market to attract buyers.

✅ Weekly Wildcard Segment – A surprising economic twist that could impact real estate trends—stay tuned for the unexpected!

If you're a realtor, investor, or mortgage professional, this episode is packed with must-know insights to help you navigate today’s unpredictable market.

Realtors using AI-powered tools like ChatGPT, Opus Clip, and HomeBot are saving hours each week on marketing, lead generation, and client communication. If you’re not leveraging AI, you’re already behind.

After years of rapid growth, Austin’s real estate market has shifted into a buyer’s market. Home prices are down 19% from their peak, inventory is up, and sellers must adjust pricing strategies to stay competitive.

With inflation still high and no major economic shake-ups on the horizon, mortgage rates are expected to hover around 7% for the foreseeable future. Realtors must help clients navigate creative financing options like rate buydowns and adjustable-rate mortgages (ARMs).

Sellers need to ditch the outdated "list high and lower later" approach. Pricing homes strategically from the start maximizes visibility, attracts serious buyers, and reduces time on the market.

In this week’s wildcard segment, we cover NASA’s increased asteroid impact risk, skyrocketing credit card debt, and whether Dogecoin might become part of your tax refund. Stay ahead of the market by understanding how broader economic trends could affect real estate.

This episode features expert insights from Amy Cearnal, a top real estate professional with Compass Real Estate. A returning contributor to the podcast, Amy shares weekly advice for buyers, sellers, and agents to navigate today’s shifting market.

🔹 For Buyers: Use market data to make informed offers and avoid overpaying.

🔹 For Sellers: Price your home competitively from day one to maximize interest and reduce time on the market.

🔹 For Agents: Instead of answering “What would you do?”, give clients the data they need to make confident decisions.

With her data-driven approach and deep market knowledge, Amy ensures real estate professionals stay ahead of shifting trends and provide top-tier guidance to their clients.

• ChatGPT – AI-powered assistant for content creation, lead nurturing, and automation.
• https://openai.com/chatgpt
• Opus Clip – AI tool for turning long-form content into short, viral video clips.
• https://www.opus.pro
• HomeBot – Automated home value reports for client follow-ups.
• https://homebot.ai
• Zapier – Workflow automation to streamline business operations.
• https://zapier.com
• Descript – AI-powered video and podcast editing.
• https://www.descript.com
• Remine – Predictive analytics to identify potential sellers before they list.
• https://www.remine.com
• Structurely – AI chatbot for lead nurturing and client conversations.
• https://www.structurely.com
• Canva Magic Write – AI-powered graphic design tool for realtors.
• https://www.canva.com
• 11Labs – AI voice cloning for automated messaging and market updates.
• https://elevenlabs.io

• Mortgage News Daily – Daily updates on mortgage rates.
• https://www.mortgagenewsdaily.com
• Austin Board of Realtors – Market data and reports on Austin’s real estate trends.
• https://www.abor.com
• Texas Comptroller – Property tax surplus discussion and potential relief.
• https://comptroller.texas.gov

• Podcast Website: https://www.thetexasrealestateandfinancepodcast.com
• Follow Mike Mills for More Real Estate Insights: https://linktr.ee/mikemillsmortgage
• Connect with Amy Cearnal for Expert Realtor Advice: https://www.acknows.online/

If you enjoyed this episode, subscribe and leave us a review! Your support helps more real estate professionals discover insights that can transform their business.

🔹 Want more Texas real estate updates? Visit https://www.thetexasrealestateandfinancepodcast.com for market insights, expert interviews, and strategies to stay ahead.

🔹 Let’s connect! Follow Mike Mills for daily updates and real estate tips: https://linktr.ee/mikemillsmortgage

🔹 Know someone who needs help navigating today’s market? Share this episode with a fellow agent or homebuyer!

Timestamped Summary

[0:00 - 0:48] Texas is the Fastest-Growing State & Housing Market Trends

[0:49 - 1:10] Podcast Introduction & Market Update Overview

[1:11 - 2:02] Mortgage Rate Trends & Austin Housing Market Focus

[2:03 - 2:28] Guest Realtor & Podcast Engagement Call-to-Action

[2:29 - 4:06] Mortgage Rate Breakdown & Market Predictions

[4:07 - 5:38] How Real Estate Agents & Lenders Can Survive in 2025

[5:39 - 6:33] Buyer Tip of the Week: Making Smart Offers

[6:34 - 10:28] Austin Housing Market Update: Correction & 2025 Forecast

[10:29 - 11:20] Agent Tip of the Week: Answering “What Would You Do?”

[11:21 - 14:06] Weekly Wildcard: Economy, Elon Musk, Dogecoin & an Asteroid?

[14:07 - 14:36] Seller Tip of the Week: Pricing Homes to Sell Quickly

[14:37 - 18:31] 10 AI Tools Realtors Should Use to Automate & Scale Their Business

[18:32 - 19:13] Final Thoughts & Why AI is the Future for Real Estate Agents

🚨 The NAR Settlement Update 2025 is shaking up the real estate industry, and Realtors need to act fast. With MLS rule changes, buyer agent commission shifts, and new legal risks, staying informed is no longer optional—it’s essential. Tune in now to get expert insights on how these changes impact your business and what you must do to stay competitive in 2025!

The NAR Settlement Update 2025 is transforming how Realtors, brokerages, and MLS systems operate, but what does it really mean for your business? In this episode, Mike Mills sits down with real estate expert Amy Cearnal to break down the new commission rules, MLS participation changes, and what buyers and sellers need to know moving forward.

Key topics we cover:

✅ How the NAR lawsuit settlement is changing buyer agent commissions

✅ Why MLS rules are evolving, and how they impact your ability to do business

✅ What the DOJ’s real estate oversight could mean for future regulations

✅ How these changes will affect Realtors, brokerages, and homebuyers

✅ What steps agents must take to adapt and thrive in this new landscape

Whether you're a seasoned agent or new to real estate, this episode will give you the clarity and strategies you need to navigate these shifts confidently. Don't miss out—hit play now!

The NAR lawsuit settlement has removed buyer agent commission disclosures from the MLS, fundamentally altering how Realtors negotiate compensation. With commissions now negotiated outside the MLS, buyers and sellers are facing new challenges in understanding who pays what.

MLS access rules are shifting, with some markets like Austin and Houston allowing non-Realtors to access MLS data. This could change how listings are controlled, forcing agents to rethink how they leverage MLS platforms.

Buyers must now sign agreements before viewing homes, aiming to improve transparency in agent compensation. However, this requirement is creating friction, as buyers may hesitate to commit before seeing properties.

While the NAR settlement addressed commission disclosure, the DOJ is still investigating real estate practices. More lawsuits and regulatory changes could be coming, making it critical for Realtors to stay proactive.

To stay competitive, Realtors must embrace these new rules, educate clients, and refine their value propositions. Those who adapt and innovate will thrive, while those who resist change risk falling behind.

Amy Cearnal is a real estate veteran with expertise in brokerage operations, title services, mortgage lending, and real estate law. As a former brokerage owner and longtime Texas Realtor®, she specializes in helping clients minimize risk and maximize value in real estate transactions.

Amy has worked across multiple sectors of real estate, including title services, mortgage lending, and legal education, making her one of the most well-rounded experts in the industry. She is also the creator of AC Knows Online, a platform dedicated to educating Realtors through digital content and online courses.

With a passion for helping agents and homebuyers navigate industry changes, Amy continues to be a leading voice on commission structures, legal risks, and real estate market trends.

📌 Amy Cearnal’s Website & Online Education Platform

👉 https://www.acknows.online

📌 National Association of Realtors (NAR) Settlement Information

👉 https://www.nar.realtor

📌 U.S. Department of Justice (DOJ) Real Estate Investigations

👉 https://www.justice.gov/

📌 Austin Board of Realtors MLS Changes

👉 https://www.abor.com

📌 Houston Association of Realtors MLS Updates

👉 https://www.har.com

📌 Texas Real Estate Commission (TREC) Licensing & Rules

👉 https://www.trec.texas.gov

📌 Follow The Texas Real Estate & Finance Podcast & Connect with Mike Mills

🎙️ Podcast & Social Links: https://linktr.ee/mikemillsmortgage

🌐 Official Website: https://www.thetexasrealestateandfinancepodcast.com/

Enjoying the podcast? Subscribe, rate, and leave a review to help more Realtors and real estate professionals stay ahead of the latest industry changes!

📢 Join the conversation – What are your thoughts on the NAR settlement changes? Drop a comment or message us on social media!

🎧 Listen Now & Stay Informed!

The DFW Real Estate Market is shifting, and 2025 could be the turning point for buyers, sellers, and realtors. With rising inventory, mortgage rates holding steady, and home prices stabilizing, the North Texas housing market presents both opportunities and challenges. Tune in as we break down key real estate trends, mortgage rate forecasts, and expert insights to help you stay ahead in this evolving market!

The DFW Real Estate Market is at a crossroads—are we finally entering a buyer’s market? As home prices level off, inventory grows, and mortgage rates remain high, real estate professionals need to adapt their strategies to succeed in 2025.

In this episode, we dive deep into:

✅ Current market trends—how rising inventory and mortgage rates are impacting buyers and sellers.

✅ Mortgage rate forecasts—will rates drop or stay high in 2025?

✅ Changing buyer demographics—why first-time homebuyers are older than ever and how this affects the market.

✅ The CFPB debate—how changes to mortgage regulations could impact real estate financing.

✅ Expert real estate strategies—guest Conrad Jackson of REMAX Pinnacle shares game-changing tips for agents, buyers, and sellers.

Whether you're a real estate agent, investor, or homebuyer, this episode is packed with must-know insights to help you navigate the DFW market in 2025.

✅ DFW’s Real Estate Market is Changing—Here’s What You Need to Know

With inventory levels rising and home prices stabilizing, 2025 may be a prime time for buyers. However, elevated mortgage rates continue to shape affordability, making strategic decision-making essential for realtors and investors.

✅ Mortgage Rates Are Holding Steady—But Will They Drop?

Mortgage rates remain a major factor influencing demand. We explore why inflation, Federal Reserve policies, and economic uncertainty will determine whether rates fall or remain high throughout 2025.

✅ First-Time Homebuyers Are Older—How This Affects the Market

The median age of a first-time homebuyer has risen from 28 in 1991 to 38 in 2024. This shift means realtors must adjust their approach, catering to buyers who are financially established but facing affordability challenges.

✅ The CFPB Debate—Will New Regulations Impact Home Loans?

With new leadership at the CFPB, real estate lending policies could tighten or relax in the coming years. We break down how potential changes in mortgage regulations could impact buyer financing and loan availability.

✅ Expert Strategies for Realtors to Win in 2025

Special guest Conrad Jackson of REMAX Pinnacle shares actionable insights on increasing listing visibility, negotiating better deals, and understanding buyer behavior. His tips can help realtors and investors maximize success in a shifting market.

Conrad Jackson is a highly experienced real estate professional with REMAX Pinnacle in Arlington, Texas, specializing in buyer representation, seller negotiations, and market analysis in the DFW real estate market.

In this episode, Conrad shares:

🏡 Why third-party inspections are crucial for new builds

💰 How to uncover a buyer’s true price range without pushback

📸 A simple MLS listing trick that increases showings and engagement

As a trusted North Texas real estate expert, Conrad provides practical strategies that realtors, homebuyers, and sellers can use to navigate 2025’s evolving market. To connect with Conrad, visit ConradSellsDFW.com.

📌 Connect with Conrad Jackson – REMAX Pinnacle

➡ Website: https://www.ConradSellsDFW.com

📌 Mortgage Rate Updates & Market Data

➡ Mortgage News Daily – Daily Rate Updates: https://www.mortgagenewsdaily.com

➡ Federal Reserve Economic Data (FRED): https://fred.stlouisfed.org

📌 DFW Real Estate Market Trends & Housing Reports

➡ Texas Real Estate Research Center – Market Analysis: https://www.recenter.tamu.edu

➡ North Texas Real Estate Market Stats (NTREIS): https://www.ntreis.net

📌 Consumer Financial Protection Bureau (CFPB) Information

➡ CFPB Official Website: https://www.consumerfinance.gov

📌 Follow & Subscribe to The Texas Real Estate and Finance Podcast

🎙️ Podcast Website: https://www.thetexasrealestateandfinancepodcast.com/

🔗 All Podcast & Social Media Links: https://linktr.ee/mikemillsmortgage

If you're a realtor, investor, or homebuyer looking to stay informed on the latest market trends, this episode is a must-listen!

📢 Enjoyed this episode? Don't forget to subscribe, leave a review, and share it with your fellow real estate professionals to help more people stay ahead in the DFW real estate market!

(0:00 - 3:00) - Mortgage Rates Update & Economic Outlook

(3:01 - 6:00) - Why Inflation is Keeping Mortgage Rates High

(6:01 - 9:00) - North Texas Real Estate: Is 2025 a Buyer’s Market?

(9:01 - 12:00) - Home Prices & Inventory Trends in DFW

(12:01 - 15:00) - The Changing Demographics of Homebuyers

(15:01 - 18:00) - The CFPB Debate: Consumer Protection or Overregulation?

(18:01 - 21:00) - Will Trump & Elon Reform or Abolish the CFPB?

(21:01 - 24:00) - Expert Realtor Tip: How to Get More Showings on Your Listing

(24:01 - 25:12) - Closing Thoughts & Market Predictions for 2025

Real Estate Market 2025 is here! Discover top realtor strategies, mortgage trends, and expert predictions to navigate home sales, prospecting, and marketing.

With 2023 and 2024 being two of the worst years for home sales since 1995, what will 2025 bring for realtors and investors? If you’re wondering how to generate leads, close deals, and market effectively in a slow housing market, this episode is for you. Mike Mills and Conrad Jackson discuss real estate trends, mortgage rate shifts, and prospecting strategies to help realtors grow in 2025.

The Real Estate Market 2025 presents new challenges and opportunities for realtors, investors, and mortgage professionals. With home sales at their lowest levels in decades, successful agents must adapt their sales approach, improve lead generation, and embrace digital marketing.

In this episode, Mike Mills and Conrad Jackson discuss:

✔ Current market trends and how realtors can thrive in 2025

✔ How mortgage lending has evolved & what buyers need to know

✔ The truth behind builder incentives & their impact on home values

✔ Social media strategies for real estate agents to attract more clients

✔ How top-performing realtors are generating leads despite slow sales

If you’re a real estate agent looking to scale in a challenging market, this episode has actionable insights to help you succeed!

The real estate market is shifting, and buyers are more hesitant than ever. Realtors need to educate clients, set realistic expectations, and focus on long-term investments to drive home sales.

Cold calling is out—relationship-based marketing is in! Realtors must build trust through social media, referral networks, and consistent follow-ups to close more deals.

With new construction making up nearly 30% of sales, agents must explain the risks of builder incentives, including higher long-term costs and slower equity growth.

Loan approvals are stricter than ever, but requirements haven’t officially changed. Buyers should expect longer underwriting times, more documentation requests, and detailed credit scrutiny.

The best agents are winning business through Instagram, YouTube, and LinkedIn by providing educational content, market updates, and engaging video marketing strategies.

Conrad Jackson is a real estate agent, builder, and investor in Dallas-Fort Worth, Texas. With years of experience in residential and multifamily real estate, he specializes in new construction projects, housing market trends, and real estate investment strategies.

As a mentor and educator, Conrad shares insights on business growth, mortgage lending, and adapting to changing market conditions. He is also deeply involved in community development and youth sports coaching, balancing his professional success with giving back to the next generation.

🔗 Learn more about Conrad: https://www.conradsellsdfw.com

🔹 Conrad Jackson’s Real Estate Services – DFW property insights, homebuyer guidance, and investment strategies

👉 https://www.conradsellsdfw.com

🔹 National Association of Realtors (NAR) Market Reports – Stay ahead with the latest real estate trends and forecasts

👉 https://www.nar.realtor/research-and-statistics

🔹 Freddie Mac Mortgage Rate Trends – Track interest rates and mortgage lending shifts

👉 https://www.freddiemac.com/research

🔹 Tom Ferry Real Estate Coaching – Lead generation and marketing strategies for realtors

👉 https://www.tomferry.com

📌 Official Website: https://www.thetexasrealestateandfinancepodcast.com

📌 All Podcast Platforms & Social Links: https://linktr.ee/mikemillsmortgage

🔔 Don’t forget to subscribe, leave a review, and share this episode with fellow realtors!

The 2025 housing market is shaping up to be one of the most unpredictable in years—will home prices crash, or will they keep rising? In this episode, we break down housing trends, mortgage rate predictions, and real estate industry shifts that every realtor and mortgage professional needs to know. Don’t get left behind—tune in now to get ahead of the competition!

The 2025 Housing Forecast is filled with uncertainty—will home prices drop, mortgage rates stabilize, or affordability continue to be a challenge? In this episode, host Mike Mills sits down with James Kleimann, Managing Editor at HousingWire, to break down the latest real estate trends, policy changes, and mortgage industry shifts that will shape the market in 2025. They dive deep into the impact of rising interest rates, housing supply shortages, and the role of AI in real estate and mortgage lending. Will Fannie Mae and Freddie Mac leave conservatorship? What do proposed real estate commission reforms mean for agents? And how will new federal housing policies affect buyers and sellers? Get the expert insights you need to stay ahead in the fast-changing real estate market.

Mortgage Rates in 2025: What to Expect

Experts predict that mortgage rates will likely stay in the 6% range, with potential fluctuations depending on inflation, economic policies, and Federal Reserve actions. While some hope for a return to 4% rates, the bond market and U.S. debt levels make this unlikely in the near future.

Housing Affordability Challenges Continue

Home prices remain historically high, making affordability a top concern for buyers, real estate agents, and lenders. Rising insurance costs, credit reporting fees, and property taxes add additional strain, preventing many from entering the market despite strong demand.

AI and Automation Are Reshaping Real Estate & Mortgage Lending

AI-driven tools are making real estate agents and mortgage lenders more efficient, but they also threaten traditional roles like underwriters and processors. Big players in the industry are already investing heavily in AI, signaling major shifts in how loans are processed and real estate transactions are handled.

Real Estate Commission Lawsuits Could Reshape the Industry

The DOJ’s focus on real estate commissions and agent steering could lead to major changes in how agents are compensated. New regulations may affect MLS structures, buyer commissions, and the role of brokerages, making it crucial for realtors to stay informed on legal updates.

2025 Will Be a Defining Year for Real Estate Professionals

With fewer home sales, tighter inventory, and evolving regulations, real estate agents and mortgage lenders must adapt to stay competitive. Whether through leveraging AI, improving marketing strategies, or adjusting to new commission structures, professionals who embrace change will have the best chance at success in 2025.

James Kleimann – Managing Editor, HousingWire

James Kleimann is the Managing Editor at HousingWire, the leading news source for real estate and mortgage professionals. With years of experience covering the housing market, mortgage industry trends, and federal housing policies, he has built a reputation as one of the most trusted voices in real estate journalism.

In this episode, James shares expert insights into the 2025 Housing Forecast, breaking down mortgage rate trends, housing affordability challenges, and how AI is transforming the real estate industry. He also discusses the potential impact of new real estate commission lawsuits and federal policy changes that could reshape the way realtors do business.

As a respected journalist and industry analyst, James Kleimann provides valuable knowledge that every real estate agent, mortgage lender, and investor needs to navigate the market in 2025.

• The Texas Real Estate & Finance Podcast – Official Website
• https://www.thetexasrealestateandfinancepodcast.com/
• The Texas Real Estate & Finance Podcast – All Links & Socials
• https://linktr.ee/mikemillsmortgage
• HousingWire – Latest Real Estate News & Market Trends
• https://www.housingwire.com
• Mortgage Bankers Association (MBA) – Policy Updates & Industry Insights
• https://www.mba.org
• National Association of Realtors (NAR) – Housing Market Reports
• https://www.nar.realtor
• Consumer Financial Protection Bureau (CFPB) – Mortgage Regulations & Borrower Rights
• https://www.consumerfinance.gov
• Fannie Mae – Mortgage Lending Guidelines & Housing Market Research
• https://www.fanniemae.com
• Freddie Mac – Housing Market Data & Mortgage Insights
• https://www.freddiemac.com
• U.S. Federal Reserve – Interest Rate Decisions & Economic Policy
• https://www.federalreserve.gov

This episode is packed with expert insights, actionable strategies, and industry forecasts to help you stay competitive in the real estate market. If you’re a real estate agent, mortgage lender, or investor, you won’t want to miss these key trends shaping 2025’s housing market.

🔔 Subscribe & Follow: Never miss an episode! Subscribe to The Texas Real Estate & Finance Podcast and stay informed on real estate trends, mortgage industry updates, and expert interviews.

🎧 Listen Now: Available on Apple Podcasts, Spotify, YouTube, and all major podcast platforms.

[0:00 - 3:00] - How Homeownership Has Changed Since the 1980s

[3:01 - 6:00] - Introduction: Housing Market Trends & Mortgage Industry Insights

[6:01 - 9:00] - Trump’s Housing Policies: What to Expect in 2025

[9:01 - 12:00] - Fannie Mae & Freddie Mac: Will They Leave Conservatorship?

[12:01 - 15:00] - DOJ’s Crackdown on Real Estate Commissions & Steering

[15:01 - 18:00] - The MLS System Is Changing: What Agents Need to Know

[18:01 - 21:00] - Building on Federal Land: Is This a Real Housing Solution?

[21:01 - 24:00] - Why Housing Starts Are at Recession Levels

[24:01 - 27:00] - The Real Reason Home Affordability Is Getting Worse

[27:01 - 30:00] - Mortgage Rates & The Federal Reserve: What’s Really Driving Rates?

[30:01 - 33:00] - The Rising Cost of Credit Reports, Insurance & Appraisals

[33:01 - 36:00] - Why Real Estate Agents Should Stop Celebrating High Prices

[36:01 - 39:00] - Trigger Leads & Borrower Data: How Lenders Are Flooding Buyers With Calls

[39:01 - 42:00] - AI in Real Estate: How Agents & Brokers Can Stay Ahead

[42:01 - 45:00] - AI in Mortgage Lending: Will Loan Officers Be Replaced?

[45:01 - 48:00] - How Mortgage Companies Are Using AI to Cut Costs & Jobs

[48:01 - 51:00] - Why Home Sales Are Expected to Stay Low in 2025

[51:01 - 54:00] - Mortgage Rate Predictions for 2025: Will Rates Drop?

[54:01 - 57:00] - Consumer Debt Crisis & Its Impact on the Housing Market

[57:01 - 1:00:00] - The Future of Home Equity Loans & Mortgage Innovation

[1:00:01 - 1:03:00] - Will Credit Card Interest Rates Be Capped at 10%?

[1:03:01 - 1:06:00] - How Real Estate Agents Can Survive the Market Shift

[1:06:01 - 1:09:00] - The Shrinking Workforce in Mortgage & Real Estate

[1:09:01 - 1:12:00] - Final Predictions for Home Sales, Rates & the Economy

[1:12:01 - 1:15:50] - Closing Thoughts & What to Watch in 2025

What does it take to succeed in a slowing real estate market? This week, Julie Holly reveals the keys to thriving during downturns, scaling your business, and leveraging relationships to uncover hidden deals. If you’re a Realtor looking for practical tips and long-term strategies, this episode is a must-listen!

Mastering Real Estate Cycles is essential for any Realtor looking to succeed in a shifting market, and in this episode, we dive deep with seasoned investor and strategist Julie Holly. Julie shares her insights on navigating today’s challenging real estate landscape, building strong client relationships, and discovering hidden opportunities. From leveraging social media to creating clear sales cycles, she offers practical strategies for Realtors to implement immediately. We also discuss the emotional cycle of change in real estate, the importance of professionalism, and scaling wealth through multifamily investments. If you’ve been wondering how to grow your business during a slowdown, this episode is packed with actionable advice. Whether you're looking for new opportunities or refining your processes, Julie's expertise is sure to inspire and educate.

Define Clear Goals for Success

Julie emphasizes the importance of setting specific, measurable goals to guide your real estate career. By defining what success looks like for you, you can focus your efforts on achieving results that align with your objectives.

Relationships Are the Foundation of Real Estate

Building strong relationships within your community and network is a cornerstone of real estate success. Julie explains how nurturing these connections can uncover hidden deals and establish you as a trusted professional.

Adapt to Market Cycles

Julie highlights why slowing markets are often the best time for growth, as competition decreases and new opportunities emerge. Realtors who remain proactive and embrace market shifts are more likely to thrive.

Leverage Social Media Strategically

Rather than chasing vanity metrics, Julie advises Realtors to use social media to reinforce expertise and maintain visibility with their sphere. Strategic posting can enhance your reputation and expand your reach.

Treat Real Estate Like a Profession

Julie underscores the importance of adopting a professional mindset, from creating clear sales cycles to implementing effective systems. Treating your business with the same rigor as a top company ensures long-term success in any market.

Julie Holly is the founder of Three Keys Investments and the host of The Conscious Investor podcast. As a third-generation real estate professional, Julie brings decades of experience to the table, ranging from residential sales to multifamily investments and assisted living facilities. Her expertise lies in helping investors protect, preserve, and grow their wealth through scalable, strategic investments. Having been both a limited and general partner in large apartment complexes, Julie has navigated complex markets and developed a reputation for her clear, proven strategies. Beyond real estate, Julie is a sought-after speaker and coach, empowering others to achieve financial freedom while staying true to their purpose.

Here are the updated resources mentioned in this episode:

Three Keys Investments Website: Learn more about Julie Holly’s work and explore resources for multifamily investing at https://www.threekeysinvestments.com/.

The Conscious Investor Podcast: Listen to Julie’s podcast for actionable advice on purpose-driven investing: https://podcasts.apple.com/us/podcast/the-conscious-investor/id1501539079.

Accidental Genius by Mark Levy: Discover the power of free writing to unlock creativity and focus. Available on major book retailers or find it here: https://www.amazon.com.

The 12 Week Year by Brian P. Moran: Learn how to achieve your goals faster with the concepts of focused execution: https://www.the12weekyear.com.

Contact Mike Mills for Mortgage Solutions: Explore Mike’s offerings, including conventional, VA, FHA, rehab, construction, HELOCs, and bridge loans, through his Linktree: https://linktr.ee/mikemillsmortgage.

[0:00 - 0:48] - Defining Priorities in Real Estate

[1:00 - 4:06] - Podcast Introduction and Goonies-Themed Adventure

[4:07 - 6:38] - The Power of Community and Audience Engagement

[6:39 - 10:46] - Overcoming Information Overload

[10:47 - 16:00] - Harnessing Free Writing and Mindfulness

[16:01 - 18:55] - Processing Negativity and Externalizing Ideas

[18:56 - 22:59] - Perception of Great Markets in Real Estate

[23:00 - 30:39] - Strategic Sales Cycles for Real Estate Agents

[30:40 - 35:09] - Integrating Social Media and Community Outreach

[35:10 - 38:10] - Building Mental Market Share

[38:11 - 42:23] - Defining Professionalism in a Changing Market

[42:24 - 44:15] - Encouraging Client Preparedness

[44:16 - 47:36] - Staying Focused While Building a Business

[47:37 - 50:28] - Treating Real Estate as a True Profession

[50:29 - 54:59] - The Emotional Cycle of Change in Real Estate

[55:00 - 56:54] - Perseverance and Success Through Consistency

[56:55 - 59:53] - Lessons from Overcoming Adversity

[59:54 - 1:01:58] - Finding Joy in the Journey

[1:01:59 - 1:08:50] - Scaling Through Commercial Real Estate

[1:08:51 - 1:11:12] - Exploring New Avenues in Real Estate

[1:11:13 - 1:12:41] - The Value of Diverse Conversations

[1:12:42 - 1:15:38] - Political Impacts on Real Estate

[1:15:39 - 1:19:24] - Civic Engagement and Real Estate Advocacy

[1:19:25 - 1:20:00] - Closing Remarks

What do rising mortgage rates, record-low inventory, and Trump’s economic agenda mean for real estate in 2025? This episode dives into the strategies you need to thrive amidst uncertainty. Don’t miss out—your future clients are counting on you to stay ahead.

On this week’s Texas Real Estate and Finance Podcast, we analyze the post-election housing market, focusing on the housing affordability crisis, historic rate trends, and the impact of President Trump’s proposed policies. We tackle the challenges of limited inventory, surging multifamily construction, and shifting demographics in homebuying. Discover practical insights on how deregulation and tax incentives could influence supply and affordability. And don’t miss the final segment where we unveil a powerful AI-driven tool designed to elevate your real estate business for the year ahead.

Mortgage rates have been on a rollercoaster, fluctuating between the low 6% range and above 7% within weeks. Factors like weak job creation, declining banking liquidity, and the Federal Reserve’s rate cuts are contributing to this unpredictability. Understanding these dynamics is critical for navigating today’s market.

With Trump’s return to the White House, key policies on tariffs, immigration, and deregulation are expected to impact housing costs and supply. While deregulation and tax incentives could encourage construction, tariffs on building materials and immigration restrictions may exacerbate affordability challenges.

Home prices have risen 57% since 2020, far outpacing wage growth at just 28%, making homeownership increasingly out of reach. The typical age of first-time buyers has climbed to 38, reflecting the growing challenges younger generations face in entering the market.

Rising national debt and shrinking market liquidity are putting pressure on the economy and real estate markets. The Federal Reserve’s actions and Trump’s economic agenda could lead to further market volatility, requiring professionals to stay vigilant and adapt to changing conditions.

The episode closes with an introduction to ChatGPT as a transformative tool for real estate professionals. This AI platform can help streamline business planning, marketing, and operations, offering agents a competitive edge in 2025’s uncertain market.

National Association of Realtors (NAR): https://www.nar.realtor

Mortgage News Daily: https://www.mortgagenewsdaily.com

CoreLogic Home Price Insights: https://www.corelogic.com/intelligence/reports/home-price-insights/

HousingWire – Logan Mohtashami's Analysis: https://www.housingwire.com/author/logan-mohtashami/

IRS Opportunity Zones: https://www.irs.gov/credits-deductions/businesses/opportunity-zones

ChatGPT by OpenAI: https://chat.openai.com

Pillar 1: Business Foundation and Strategy

• Free Prompt: "Ask me a series of questions to help define my real estate business foundation, covering brand identity, target client, market niche, and target price point. Go one question at a time and summarize with tailored suggestions."
• Paid Prompt: "Chat, using everything you know about me from my custom setup, guide me through a series of questions to help define my brand, ideal client, market niche, and price point. Go one question at a time and summarize with tailored suggestions based on my unique style, experience, and goals."

Pillar 2: Marketing and Client Acquisition

• Free Prompt: "Chat, ask me a series of questions to develop a marketing game plan for reaching my ideal clients. Cover my current marketing activities, preferred social media platforms, and client engagement strategy. Go one question at a time and summarize with tailored suggestions."
• Paid Prompt: "Chat, based on my custom GPT, ask me a series of tailored questions about my favorite marketing activities, best social platforms for my target clients, and ways I currently engage my clients. Go one question at a time and summarize with tailored suggestions based on my unique style, experience, and goals."

Pillar 3: Operations and Professional Growth

• Free Prompt: "Guide me in building my operations plan with questions about my daily and weekly routines, skill-building goals, and wellness practices. Go one question at a time and summarize with suggestions for improving my time management and focus."
• Paid Prompt: "Chat, using my custom profile, ask tailored questions on organizing my schedule, skills to develop for my target market, and wellness routines to keep me motivated in growing my business. Go one question at a time and summarize with tailored suggestions based on my unique style, experience, and goals.

[0:00 - 1:47] - Introduction and Overview of Election Impact

[1:50 - 2:39] - Mortgage Rates and Market Uncertainty

[2:39 - 6:56] - The Growing Housing Affordability Crisis

[6:56 - 12:37] - Housing Supply and Regional Market Variations

[12:37 - 16:15] - Multifamily Housing and Affordable Construction Trends

[16:15 - 21:07] - Trump’s Election Victory and Political Implications

[21:07 - 24:29] - Trump’s Policies and Their Potential Housing Market Effects

[24:30 - 29:13] - Deregulation, Opportunity Zones, and Long-Term Housing Strategies

[29:13 - 34:24] - Leveraging ChatGPT for Business Planning in 2025

[34:24 - 35:20] - Closing Thoughts and Takeaways