Summary

In this episode of Real Talk, Rick Murphy from Ballston Spa National Bank discusses the evolving landscape of real estate and mortgage lending. He emphasizes the importance of understanding the total payment rather than just focusing on interest rates, especially as we move into 2026. Rick shares insights on preparing for homeownership, the significance of credit scores, and common mistakes buyers make. He also highlights smart mortgage strategies, the importance of building a reliable team of professionals, and the need for pre-qualification before house hunting.

Takeaways

Buyers should focus on total payments, not just interest rates.
The new normal in real estate involves higher interest rates.
Preparing for homeownership requires understanding your financial situation.
Assumable mortgages can be a strategy for buyers.
Maintaining good credit is crucial for securing a mortgage.
Common mistakes include not getting pre-qualified and overspending.
Seller concessions can help buyers with closing costs.
Building a reliable team of agents and lenders is essential.
Understanding your credit score can help in the buying process.
Planning ahead is key to successful homeownership.

Rick's Contact Information:
Phone Number: (518)-461-6116

In this episode of Real Talk with Sterling Real Estate Group, Lisa sits down with interior designer Julie Maleski Putzel of JMP Interiors for a behind-the-scenes look at how a designer really reads a home the moment they walk in the door - from visual chaos and layout flow to how people truly live in their spaces.

Julie shares how she solves design problems, why mood boards and in-home samples matter, and how emotional connection plays a huge role in creating spaces that actually work. Then the conversation shifts into holiday styling, including:

• Easy ways to make your home feel festive without overspending
• How to use greenery, scent, and “hero pieces” to elevate any space
• Small-space holiday decorating tips
• Holiday décor trends she loves (and a few she’s ready to retire)

Julie also talks about her cut flower farm, designing florals for weddings and events, and her free downloadable holiday styling guide with 12 designer-approved tips.

This episode is perfect for homeowners, holiday hosts, design lovers, and anyone who’s ever wondered how a designer really sees their space.

Julie's Contact and Social Information:

• Website- https://www.jmpinteriors.com/
• Email- julie@jmpinteriors.com
• Phone- 570-401-4402
• Instagram- jmpinteriors
• Facebook- julie.maleskiputzel

Summary

In this episode of Real Talk, host Lisa Licata engages with Dave DePaulo from Bella Home Builders to explore the intricacies of new construction. They discuss Dave's journey into home building, the importance of client relationships, and the challenges buyers face during the construction process. Dave shares valuable insights on making smart upgrades, designing functional spaces like basements, and the significance of trust and communication between builders and clients. The conversation highlights the emotional aspect of home building and the pride that comes with creating unique, custom homes.

Takeaways

• Timing is the biggest surprise for buyers in new construction.
• Maintaining strong relationships with vendors is crucial for quality.
• Clients should treat subcontractors with kindness to foster a positive work environment.
• It's important for clients to stay organized and communicate effectively during the building process.
• Custom homes are unique and require careful planning to avoid costly changes later.
• Buyers should consider what upgrades are worth it in the long term.
• Designing functional basements is essential for maximizing space.
• Trust between builders and clients is vital for a smooth construction experience.
• Researching builders and their past work can lead to better decisions.
• Creating a positive atmosphere during construction can lead to better outcomes.
• Dave's Contact Information
  • Phone: 518-583-1833
  • Email: dave@bellahomebuildersinc.com
  • Socials:
    • Facebook: bellahomebuildersinc
    • Instagram: bellahomebuilders_inc