It's a special Halloween celebration as Girls on the Air: Women in Real Estate marks 12 years and 626 shows on the air! Karen Campbell and Janet Sprissler celebrate the milestone with longtime listeners, former co-hosts, and friends while sharing the latest Ventura County real estate listings, rental opportunities, and tips for buyers looking to take advantage of the changing market.

Then Josh Carsman, magician and member of the world-famous Magic Castle, joins the celebration with some Halloween fun! Josh shares fascinating stories about the Magic Castle, haunted locations around Ventura County, and the mysterious history of the Bard Mansion. He also discusses the incredible work of the Turning Point Foundation, supporting mental health, housing, recovery, and veterans throughout the community.

Next, Bob Davis stops by to talk about the upcoming First Wednesday Trivia Challenge at Sterling Hills Golf Course, benefiting the Ventura County Library Foundation and Rotary programs. Bob shares how First Wednesday has already raised nearly $90,000 for local nonprofits this year!

Plus, special anniversary calls, Magic Castle giveaways, and plenty of Halloween surprises!

It's a fun-filled celebration of 12 years of real estate, community connections, and giving back on Girls on the Air!

Live from Ventura County, Girls on the Air delivers real-world guidance for buyers, sellers, and homeowners. Mortgage expert Joe Parisi shares rare “good news” on interest rates, explains why bonds—and “flight to quality”—matter, and breaks down seller-paid rate buy-downs (including 3-2-1) plus first-time buyer options like CalHFA 97/3 zero-down. Estate planning attorney Krista Hermans (Heritance Law) reveals the costly pitfalls of skipping a trust—probate delays, surprise heirs, family conflict—and why reviewing your documents is critical. Then the show closes with a clear breakdown of Prop 37, aimed at helping qualified Californians buy new construction with as little as 3% down while boosting housing supply—without taxpayer-backed debt.

Karen Campbell welcomes Jackie Brayley-Whirley to this week’s Girls on the Air: Women in Real Estate as they share the latest Ventura County real estate listings and discuss the challenges of probate sales, protecting clients, and navigating complicated transactions.

Then Joe Parisi with Rate Mortgage brings some encouraging mortgage news, including improving interest rates and creative financing options for homebuyers. Joe explains temporary and permanent rate buydowns, down payment assistance programs, alternative financing for self-employed buyers, and interest-only loans for real estate investors.

Next, Denise with Paladin Professional Insurance Solutions joins the show to explain why flood insurance deserves a closer look. Denise discusses the differences between national and private flood insurance, what homeowners policies typically exclude, coverage limits, waiting periods, and why you may need protection even if your home isn't in a designated flood zone.

Plus, Karen and Jackie share some Halloween fun happening around Ventura and announce that Girls on the Air is celebrating its 12th anniversary next week!

It's another informative hour of real estate, mortgages, insurance, and protecting your investment on Girls on the Air!