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.

1. AI Tools Are Revolutionizing Real Estate

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.

2. Austin’s Housing Market is Cooling, but Buyers Have New Opportunities

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.

3. Mortgage Rates Are Holding at 7%—Will They Drop?

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).

4. Pricing Homes Correctly is More Important Than Ever

Sellers need to ditch the outdated "list high and lower later" approach.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.

5. The Weekly Wildcard: From Space Rocks to Meme Coins

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...

🚨 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!

1️⃣ NAR Settlement Update 2025: Major Commission Changes

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.

2️⃣ MLS Rule Changes: New Access & Membership Updates

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.

3️⃣ Buyer Agreements: Are They Helping or Hurting?

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.

4️⃣ DOJ Oversight: More Real Estate Lawsuits Ahead?

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.

5️⃣ Adapting to a Changing Market in 2025

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...

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...

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,...

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...

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:

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 Remain Volatile Amid Economic Uncertainty

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.

Trump’s Policies Could Reshape Housing Affordability

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.

The Housing Affordability Crisis Intensifies

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.

Economic Pressures Are Reshaping Real Estate Trends

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.

Revolutionize Your Business Planning with AI Tools

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.

Resources Mentioned in This Episode

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:

Ready to turn your real estate team into a powerhouse? In today’s episode, we’re diving deep with Alex Kutsishin, co-founder of Fuel, on how to build and lead a team where every member performs at their peak. Discover practical strategies to enhance your team’s effectiveness and create a winning culture in real estate.

In this episode, we explore the top strategies for Developing Real Estate Teams That Thrive with guest Alex Kutsishin, co-founder of Fuel. Together, we dive into key leadership insights on boosting team performance, maintaining high standards, and recognizing when it’s time to elevate—or replace—team members. Alex shares actionable tips on measuring team progress, creating high-impact learning experiences, and fostering an environment that encourages growth for each member. We also discuss how to inspire a results-oriented mindset while maintaining a balanced, healthy work atmosphere. From self-improvement to performance-based analytics, this episode equips real estate professionals with the tools needed to create unstoppable teams. Whether you’re a seasoned broker or building your first team, this conversation will give you the edge to lead with impact and purpose.

Elevate Team Standards Consistently

Alex emphasizes that successful teams continuously raise standards to ensure every team member performs at their best. Leaders should seek 95% of the team to meet 100% of expectations, with standards evolving as the team excels.

Shift to a Talent-Development Mindset

Transitioning from personal performance to team-focused leadership requires viewing every interaction as a chance to develop talent. Alex shares practical ways leaders can enhance each member’s skills and build a culture of continuous improvement.

Autonomy and Accountability in Performance

Fuel’s platform encourages autonomy by allowing members to engage in personalized courses while maintaining accountability. Leaders can track growth and address specific areas for improvement, making training impactful and personalized.

Focus on Performance Over Knowledge

Moving beyond conventional training, Fuel’s approach emphasizes practicing skills rather than just understanding concepts. By encouraging team members to apply what they’ve learned, they’re better prepared for real-world success.

The Journey is the Goal

Both Alex and Mike discuss the importance of viewing progress as a continuous journey. By celebrating small wins and pushing through challenges, real estate professionals can stay motivated, avoid burnout, and keep their teams energized for the long term.

Alex Kutsishin is a seasoned entrepreneur and co-founder of Fuel, a leading platform in personal and professional development designed to build high-performance teams. With a background that spans launching ten diverse businesses, Alex brings a wealth of knowledge in team-building, leadership, and innovative training approaches. His commitment to developing teams through hands-on practice and performance analytics has made Fuel a go-to resource for companies worldwide. Alex’s insights inspire leaders to redefine team standards and build a culture where every member thrives.

Resources

For additional insights and tools mentioned in this episode, check out the following resources:

Fuel Personal & Professional Development Platform – Dive into a range of performance-enhancing courses and tools: https://www.myfuel.io/

Patty McCord’s Article on Building Teams Like Sports – Insight into building strong, talent-focused teams: