Discover the essential strategies for first-time homebuyers with our guest, Steve Reed, owner-proprietor of Benchmark Home Loans. We promise to equip you with the knowledge to navigate the tricky terrain of the 2025 housing market with confidence. Steve and I discuss the vital importance of selecting the right realtor and lender, steering clear of the common pitfall of relying solely on advertised interest rates or limited research. Rising interest rates have many potential buyers on edge, but with our insights, you can make informed decisions that work in your favor.

As we look ahead to the broader housing market trends of 2025, expect a refreshing shift toward more traditional home price appreciation, offering hope for increased affordability. Steve and I explore the intersection of interest rates, inflation, and wage growth, and how these elements might be influenced under a new presidential administration. We shed light on the wage growth disparity between job changers and stayers, offering a nuanced view of the economic landscape and its implications for home affordability.

Our conversation wouldn't be complete without addressing real estate market concerns, particularly the rising insurance premiums in disaster-prone regions like Florida. We stress the importance of engaging with insurance agents early in the homebuying process to avoid unexpected costs. Lastly, we proudly share our expertise in residential mortgage lending across Southeastern states, extending an invitation for personalized guidance. Reach out to us for support as you embark on your homebuying journey, and remember to like, rate, and review our podcast if you find our insights helpful.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

Transform your understanding of modern healthcare and nutrition as we welcome the esteemed Dr. Tom Rogers from Performance Medicine. Dr. Rogers brings his wealth of knowledge in functional and integrative medicine to our discussion, emphasizing how lifestyle choices like nutrition, exposure to toxins, stress, and inadequate sleep play a critical role in our overall health. Prepare to rethink what you know about chronic diseases and health expectancy in the U.S., as we explore possible healthcare system reforms with inspiration from progressive leaders such as RFK, Dr. Oz, and Dr. Macari.

Our conversation sheds light on the alarming prevalence of metabolic syndrome in America, aggravated by the obesity epidemic and poor dietary habits. You'll gain fresh perspectives on why the traditional food pyramid might be leading us astray and discover alternative dietary strategies like keto, paleo, and Mediterranean diets. This episode serves as both a wake-up call and a guide, encouraging listeners to adopt healthier eating habits by reducing processed foods and opting for organic choices. We also touch on modern medicinal aids that assist in better managing the impacts of dietary decisions.

The challenges within the U.S. healthcare system come under scrutiny as we discuss its tendency to emphasize treatment over prevention. Insights from a former ENT surgeon turned integrative medicine advocate reveal systemic issues, including the overuse of medications and unnecessary procedures. The dialogue encourages a shift towards personalized healthcare that prioritizes individual lifestyle factors and metabolic health. We also tackle controversial topics such as the role of vaccines during the COVID-19 pandemic, stressing the need to address underlying health conditions like metabolic syndrome and vitamin D deficiency. Join us for this enlightening episode as we navigate these pressing health issues and advocate for a more holistic approach to well-being.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

Cindy Ketron joins us on this special Christmas Day episode of Benchmark Happenings to reveal the deeper meanings of the holiday, going far beyond the usual trappings of gifts and decorations. Together, we explore the roots of Christmas in the biblical narrative, tracing back to Genesis and the original sin of Adam and Eve. This sets the stage for a larger discussion on the need for redemption, a theme that resonates strongly with believers in Jesus Christ. Christmas, we assert, is a beacon of hope, reminding us of the promise of salvation and a return to a state of grace akin to the Garden of Eden. Through this lens, the holiday becomes more than a celebration of Jesus' birth; it's a profound reminder of the gospel's promise to restore what was lost.

We also share a moving story of faith, following a young boy's transformative journey to accepting Jesus Christ as his Savior. This narrative serves as a powerful testament to the role of the Holy Spirit as a guide and teacher, helping us to understand biblical truths and assuring us of our salvation. Cindy and I emphasize the concept of being "born again" and the responsibility of believers to live out and share their faith as guardians of the gospel. The episode underscores the miraculous nature of faith, the importance of pro-life beliefs in the Christian doctrine, and the conviction that Jesus is the sole path to eternal life. Join us as we reflect on the calling to embody the hands and feet of Christ in the world, carrying the hope and joy of Christmas beyond the festive season.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

Discover the compelling journey of Adam Momberger, the Administrative District Chief of the Johnson City Fire Department, as he reveals what drew him from Ohio to the vibrant community of Johnson City. Learn about the department's unwavering commitment to their core values—Honesty, Empathy, Loyalty, and Professionalism—through the HELP acronym, setting the tone for their mission as an all-hazards provider. Adam also shares the thrill of firefighting, from the physical challenges to the strategic partnership with the city's water department, which has helped secure an impressive ISO 1 rating, potentially benefiting local homeowners with lower insurance premiums.

In an episode packed with insights, Adam takes us behind the scenes of the Johnson City Fire Department's rigorous training regimen. With over 200 hours of annual training in critical areas like EMS, technical rescue, and hazmat response, the department is always ready for the next call. Adam highlights how data analytics play a crucial role in anticipating emergencies, while the Emergency Operations Center stands as a vital component during flooding events. Plus, get a handle on city policies around leaf and brush burning, emphasizing the importance of utilizing city services to keep the community safe.

We round out our discussion with essential home safety tips tailored for families with children. From smoke and CO2 detector usage to securing household items, Adam provides practical advice to enhance home safety. The conversation broadens to the need for sprinkler systems in businesses and the collaborative efforts that bolster firefighting efficiency. Aspiring firefighters won't want to miss Adam's advice on the importance of early maturity and education to succeed in this noble profession. Celebrate the dedication of the Johnson City Fire Department and gain valuable insights into safeguarding your home and community.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

Unlock the secrets to maintaining a youthful appearance as Kelly Rogers from Performance Medicine shares her transformative journey from marketing to mastering aesthetics. Discover how Botox can serve as a preventative ally rather than a quick fix, and why a consistent skincare routine is essential. Kelly passionately discusses the increasing interest from men and the vital role of continuous education to stay updated on the ever-evolving fads and technologies in the aesthetics world. Get a glimpse into the complex landscape of skincare, where lifestyle choices like diet, hydration, and exercise play a crucial role in enhancing the effects of treatments.

Dive into a world where beauty meets science, where maintaining a natural look is both an art and a philosophy. Kelly takes us through her personal skincare regimen, highlighting techniques like microneedling and radiofrequency for vibrant skin. Explore the holistic approach at Performance Medicine, which integrates everything from hormone management to vitamins for overall well-being. We also delve into the realm of body contouring and fat reduction, emphasizing the necessity of maintenance treatments and hormonal balance in achieving desired results. Whether it’s addressing cellulite, dark spots, or considering surgical options for major issues, this episode is your guide to navigating the aesthetic journey with insight and expertise.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

Jenny Rogers, a certified life elite coach and dynamic creator, joins us for an episode brimming with inspiration and authenticity. Known for her vibrant journey of dreaming big, Jenny shares how the steadfast support of her family fueled her ambition to live a life untethered by fear. Her engaging storytelling reveals how experiences as a music teacher, author, and speaker have shaped her into a formidable force for creativity and empowerment. Jenny opens up about her book, "Mama Bear Meditations," which offers poignant messages of strength and courage, resonating deeply with communities facing collective challenges. Through her outreach work in Africa and her holistic coaching approach, she exemplifies how embracing one's dreams can lead to a fulfilling and transformative existence.

Journey with us as Jenny unravels how life's trials, such as trauma and divorce, can become catalysts for profound personal growth. She candidly discusses writing her meditation books as a pathway to connection and self-discovery, and how this endeavor tied into her coaching philosophy. Encouraged by success coach Mitch Matthews, Jenny transitioned into success coaching, empowering others to find clarity and focus amidst life's transitions. Her insightful methods emphasize individuality and personal growth, inviting listeners to recognize their unique gifts and explore new paths. Join us to uncover the powerful narratives that have shaped Jenny's path and be inspired to rediscover your dreams.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

What if you could turn your passion for fashion into a powerhouse boutique that doubles as a force for good? Join us as we catch up with Carlina Alder and Azlinn Edwards, the mother-daughter duo behind Tennessee’s beloved fashion haven, Aslan Hope. Fresh off a dazzling fashion show that not only showcased the latest trends but also raised over $5,000 for breast cancer awareness, Carlina and Azlinn offer a wealth of insights into the fall and holiday fashion scene. They discuss their unique collaboration with Rick Hill's Porsche, which brings an extra touch of elegance to their events, and the incredible support they've garnered from local businesses and volunteers in downtown Johnson City.

But it's not all glitz and glamour—Carlina and Azlinn delve into the realities of running a boutique, from the art of market purchasing and trend forecasting to the emotional nuances of personalized customer service. They share heartfelt stories of making women feel truly seen and confident, emphasizing the importance of genuine relationships in their business model. Discover their commitment to curating stylish, comfortable, and versatile clothing that resonates not just with the trends but with the heart. Whether you're a fashion enthusiast or an aspiring entrepreneur, this episode is packed with inspiring stories and practical advice on building a business that's both stylish and socially impactful.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

Join us as Sam Taylor, visionary entrepreneur and owner of Property Experts, takes us on a journey from his beginnings at Cheers Restaurant to his successful transition into the tech world and finally, to his thriving career in real estate. Alongside Steve Reed of Benchmark Home Loans, Sam shares invaluable insights into how adaptability and innovation have been key to his success. Together, we navigate the challenges faced by smaller businesses when big corporations take the helm and the critical role that strong partnerships play in the real estate and lending sectors.

Get ready to uncover the essence of building trust and nurturing relationships in real estate. Our conversation underscores the profound impact personal interactions can have, as we move beyond impersonal communication to forge connections that matter. Sam and Steve share touching anecdotes on viewing clients as families, not just transactions, emphasizing the significant responsibility real estate professionals hold in guiding clients through major life decisions. With a focus on trust, service, and the emotional weight of the profession, this episode promises to leave you with a deeper understanding of the power of relationships in achieving real estate success.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.