『The Texas Real Estate & Finance Podcast with Mike Mills』のカバーアート

The Texas Real Estate & Finance Podcast with Mike Mills

The Texas Real Estate & Finance Podcast with Mike Mills

著者： Mike Mills
無料で聴く

Dive deep into the heart of Texas Real Estate with Mike Mills, your dedicated guide through the intricate world of home loans and beyond. The Texas Real Estate and Finance Podcast isn't just another industry show—it's an exploration of opportunities, a masterclass from industry titans, and a beacon for those aiming for the pinnacle of success. Whether you're a seasoned professional or a curious newcomer, Mike brings to the table not only his expertise as a home loan professional but also heart-pounding conversations with top experts and leaders from the realms of Real Estate, mortgage, finance, and other real estate-centric sectors. Our promise? No fluff, just smart, actionable advice distilled from the experiences of those who have carved niches and built legacies. Every episode is a journey – a step towards achieving your potential, realizing your goals, and making informed decisions in the world of real estate and finance. Are you ready to redefine success, shatter your ceilings, and journey through the vast landscapes of opportunity? Join Mike and his esteemed guests and step into a realm of inspiration, motivation, and success. Your potential awaits, and together, we'll help you seize it. Subscribe now!Copyright 2026 Mike Mills マネジメント・リーダーシップ マーケティング マーケティング・セールス リーダーシップ 個人ファイナンス 経済学
エピソード
  • The Listing That Sits: Use AI and MLS Data Before You Cut the Price

    The Listing That Sits: Use AI and MLS Data Before You Cut the Price
    2026/10/21

    A stale listing strategy starts before the sign goes in the yard. In September, the typical North Texas seller closed at 93.9% of their original asking price. On a $400,000 house, that's about $24,000. And most of it traces back to one decision: the starting price.

    This week, Mike Mills shows Texas agents how to use MLS solds and AI to build the case for their seller up front, and what to do when a listing is already sitting.

    In this episode:

    - Mortgage rates as of October 20, and why high rates keep coming back to U.S. debt

    - Three ways mortgage rates actually come down, and what each one costs

    - Buyer tip: $10,000 off the price saves about $69 a month. $10,000 toward closing costs is cash at the table.

    - DFW housing data for September: 93.9% of original list, 62 days on market, pending sales down 19%. A transaction recession, not a housing crash.

    - Seller tip: move-in ready wins, and a pre-listing inspection takes the surprise out of the option period

    - Mike's Mind: seven-year car loans, a $1.2 billion bank fine, tariff refunds, Gen Z betting their retirement, and a congressman talking UAPs

    - Agent tip: the one question to ask when a buyer wants $10K off

    - AI segment: the listing that sits. Pull the solds, find the difference, offer concessions before you cut, market to the buyer who wants this house, and agree on plan A, B and C at the listing appointment.

    Want the Listing Kit from the AI segment? Text or email Mike and he'll send you the link.

    ⏱ Chapters

    00:00 Why DFW sellers are closing $24K under list

    01:07 This week's rundown

    02:07 Mortgage rates: a U.S. debt story

    06:15 Buyer tip: closing costs vs. a price cut

    07:30 DFW housing data for September

    09:46 Seller tip: move-in ready and the pre-listing inspection

    11:17 Mike's Mind

    16:11 Agent tip: "$69 a month or $10K now?"

    17:06 AI segment: the listing that sits

    23:51 Recap

    📊 Mortgage rates (Mortgage News Daily Index, as of October 20, 2026)

    30-Year Fixed Conventional: 7.40%

    15-Year Fixed Conventional: 7.05%

    30-Year FHA: 7.02%

    30-Year VA: 7.04%

    30-Year Jumbo: 7.65%

    These are average market rate index numbers from Mortgage News Daily and may not reflect the specific rates you qualify for. Mortgage rates vary widely depending on your credit score, loan type, down payment, and more. Talk to a licensed mortgage professional, like Mike, or your lender.

    📚 Sources mentioned

    Mortgage News Daily rate index · MetroTex Association of Realtors, September 2026 single-family report · Realtor.com days-on-market analysis (June 2026) · NAR existing-home sales · CNBC on auto loans (Edmunds data) · Federal Reserve household debt data · Bank of America Bank Secrecy Act fine · Treasury/FinCEN beneficial ownership rule repeal · The Wall Street Journal on tariff refunds · Betterment Gen Z survey · Texas Stock Exchange · Rep. Eric Burlison on X · Jay Stratton on Fox News' Special Report with Bret Baier

    📌 Resources & Links

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

    Mike Mills TX: https://mikemillstx.com

    Contact Mike: mike@mikemillstx.com | 817-689-6079

    📱 Connect on Social

    Instagram: https://www.instagram.com/mikemillstx/

    YouTube: https://www.youtube.com/@mikemillstx

    X (Twitter): https://x.com/mikemillstx

    LinkedIn: https://www.linkedin.com/in/mike-mills-49a09621/

    Mike Mills, NMLS #756263 · GVC Core Community Mortgage · NMLS #2334

    #TexasRealEstate #DFWRealEstate #RealtorTips
    続きを読む 一部表示
    24 分
  • AI Property Tax Protest: How Texans Can Fight the Appraisal District

    AI Property Tax Protest: How Texans Can Fight the Appraisal District
    2026/10/09
    Can AI help you protest your property taxes in Texas? Michael Reeves, founder and CEO of The Andy App out of McKinney, says yes, and he built the app to prove it. Every spring, Texas homeowners open an appraisal notice that says their house is worth more than last year, and most of them just pay it. In this episode, Michael and host Mike Mills break down how an AI property tax protest works, why so many Texans leave money on the table, and what Realtors, lenders and homeowners should know before the next deadline.What We CoverMichael walks through how The Andy App pulls comparable sales the moment you enter your address. It then goes past the comp game by letting you photograph everything that lowers your home’s value. The county assesses your house as if it were ready to sell, and most homes aren’t: holes in the walls, water damage, a flooded water heater, a neighbor’s half-pipe in the front yard. Michael explains why those photos matter, how the AI pairs them with Texas tax law to argue a fair taxable value, and where a certified human tax consultant still reviews the work.Mike and Michael also cover the homestead and over-65 exemptions that get missed at the closing table, the refunds homeowners can still claim on past years, and what happens now that appraisal districts are running AI of their own.Key TakeawaysYour taxable value isn’t your market value. The appraisal district values your home like it’s listed for sale, with fresh paint and clean carpet. If you aren’t selling, the current condition of the house should count. Photos of real damage and wear give the county evidence it can’t see from a drive-by or a comp report.You have to protest every year. Many homeowners protest once and assume they’re done. In Texas the value resets every year, so it has to be challenged every year. Michael shared the story of a Midland storage unit owner who never protested in 17 years and overpaid by an estimated half a million dollars.Missed exemptions can mean refunds. Michael says about two in ten Texas homeowners don’t have the homestead or over-65 exemption they qualify for, often because the form handed over at closing never gets filed. According to Michael, missed homestead and over-65 exemptions can be refunded for up to two years. Errors like being taxed on the wrong acreage, or a porch counted as living space, can be corrected for prior years too.The county is using AI too. Appraisal districts are starting to run their own AI on protest evidence. Michael shared a case where the county threw out photos that were three years old. Honest, current evidence is what wins, and Michael says the Andy App is built for its AI to work directly with the county’s systems as those develop.Hardship can be part of your case. A job loss, divorce, illness or drop in income can be included as part of a protest. The appraisal review board doesn’t have to grant relief, but Michael says counties have been open to hearing these cases.Questions This Episode AnswersHow do I protest my property taxes in Texas?Can I protest my property taxes with an app?Will photos of damage to my house hurt its resale value?What is the Texas property tax protest deadline?How do I get a refund for a missed homestead exemption in Texas?How are appraisal districts using AI?Important DatesThe Texas protest deadline is May 15, or 30 days after your appraisal notice is delivered, whichever is later. Michael recommends taking photos of damage as it happens throughout the year, the same way you keep receipts for your income taxes.About Michael ReevesMichael Reeves is the founder and CEO of The Andy App, a property tax protest and exemption app for Texas homeowners. He has worked in the Texas property tax industry since 2014, including property tax consulting and property tax lending. The Andy App won the Wells Fargo-sponsored North Texas Startups Demo Day and the McKinney Economic Development Innovation Technology Award. Michael is also the author of Taxed By Algorithm.ResourcesThe Andy App – Protest your Texas property taxes from your phone – https://theandyapp.comMichael Reeves – Michael’s website and book – https://themichaelreeves.comPodcast website – Past episodes and guests – https://www.thetexasrealestateandfinancepodcast.comMike Mills TX – Mortgage tools and resources – https://mikemillstx.com
    続きを読む 一部表示
    55 分
  • Why Rates Spiked, Why Texas Isn't Frozen, and How to Set Up AI Right

    Why Rates Spiked, Why Texas Isn't Frozen, and How to Set Up AI Right
    2026/09/30
    The 30-year mortgage went from 6.89% to 7.58% in three weeks. Everybody's blaming oil and the war in Iran — but oil dropped 4% the same day rates hit their high, and rates went up anyway. So something else is going on.This episode breaks down what's actually moving rates, why the Texas housing market is doing the opposite of what national headlines claim, and how to set up an AI project so you stop re-explaining your entire business every single morning.WHERE RATES ARE30-Year Fixed Conventional — 7.58%15-Year Fixed Conventional — 7.20%30-Year FHA — 7.24%30-Year VA — 7.25%30-Year Jumbo — 7.60%Market averages per the Mortgage News Daily index as of 9/29/26. Not a quote.Highest the 30-year has been since April 2024. A year ago it was under 6.40%. The last cycle peak, back in late 2023, was around 7.8% — so we're close.WHY IT'S HAPPENINGMortgage rates are built off the 10-year Treasury, currently around 5.25%, plus a spread of roughly 2%. From late February to mid-September the 30-year rose 0.97 points and the 10-year rose 0.97 points — identical to the basis point. The government is borrowing enormous sums and has to pay more to attract lenders. Your mortgage rides on top of that.Matthew Graham at Mortgage News Daily said this week that oil can't explain the move. It's strong economic data, expectations of more strength, and Treasury supply pressure. And that "strong" data is AI and data centers — a handful of companies that make up about a third of the entire stock market. Real growth, just not growth that shows up in anyone's paycheck.TEXAS HOUSING — THE NATIONAL STORY ISN'T OUR STORYTexas closed sales have been running ahead of last year for months. The Texas Real Estate Research Center at Texas A&M says the first half of 2026 gained momentum. Meanwhile:• Statewide median around $343,000, about 0.4% below a year ago• Prices softening 13 consecutive months — flat with a slow leak, not a crash• Inventory around 5.5 months (4–5 is balanced) — buyer territory for the first time since before the pandemic• Typical seller price cut: about $12,000, roughly 3% off list• Homes selling in about 62 days, only two days slower than last yearIS THIS 2008 AGAIN?Peak to trough in the last crisis, Dallas fell 10.5% and Austin fell 8.5%. Las Vegas fell 64%, Phoenix 56%, Miami 52%. Going in, Dallas was about 3% above fundamentals, Houston 5%, and Austin was actually undervalued. Texas never inflated, so there was nothing to give back. Boring lending laws and cheap land — still true today.BUYER TIP — THE PAYMENT ZILLOW SHOWS YOU IS WRONGThree reasons it's off in Texas: taxes pulled from the prior owner's bill (homestead exemptions and over-65 freezes don't transfer), an insurance estimate that's always low for a hail state, and mortgage insurance that depends on loan type, down payment and credit. Stack those and you're a few hundred a month off. Get pre-approved before falling in love with a house — and fully underwritten if the situation is complicated.SELLER TIP — A BETTER MOVE THAN CUTTING YOUR PRICECut $10,000 off a $400,000 house and the buyer's payment improves about $60 a month. It'd take that buyer almost 14 years of $60 to equal what you just handed over. Offer the same $10,000 as a closing cost credit instead — same money out of your pocket, but it lands the day the buyer actually needs it, and you keep your sale price for the appraisal and the comps. Seller credits are capped by loan type and down payment, so confirm the number with a lender before advertising it.MIKE'S MINDHurricane Polo and a possible foot of rain. Abbott's diesel disaster declaration at $5.86 a gallon. Household income falling from 78 ounces of gold in 1990 to 19 today. A record $32,461 for a three-year-old used car. Rent, oddly, behaving itself. The bond market pricing four more hikes by June 2027. And core drilling starting at the Noah's Ark formation in eastern Turkey.AGENT TIP — TURN SHOWING FEEDBACK INTO EVIDENCESixty seconds after every showing, talk it into your phone's AI voice button. One agent saying the kitchen is dated is an opinion. Nine agents saying it is a number you can put in front of your seller.BUILD A PROJECT — THE MAIN EVENTEvery major AI tool has this and most people scroll right past it. The six pieces: title, description, custom instructions, context documents, the SOP, and connectors. Plus the part that matters most — you don't write the procedure, you do the job with the AI open and then tell it to write down what you did. Walkthroughs for four setups: Listings, Buyers, Content, and your own business.THE BUYER PROJECT — FREEI built a project for Texas agents running a buyer through a transaction. TREC forms, the contract, timelines, deadlines, and email templates for every step. Message me and I'll send it your way.CHAPTERS00:00 Rates jumped and it isn't oil00:23 Welcome to the show01:26 What's in this episode02:30 Quick word02:53 Rates: where we are03:57 Why ...
    続きを読む 一部表示
    29 分
adbl_web_anon_alc_button_suppression_t1
まだレビューはありません