Most agents are using AI like it's 2010 — type a question, grab the paragraph, close the tab. That's about 10% of what the tool actually does. This week Mike Mills shows you the other 90%: how to set up ChatGPT or Claude so it knows who you are, your market, and how you talk — so it works like a real employee instead of a search box. Plus the usual market rundown: rates, DFW housing, and two tips your competition isn't using.

In this episode:

• Rates eased after a cool CPI print — why the Fed's September rate-hike odds got cut nearly in half

• DFW went flat — ~$420K median, ~50 days on market, sellers giving back ~5% off original list

• Buyer Tip: kill the credit-pull fear (soft pulls + the rate-shopping window that counts as one hit)

• Seller Tip: the recast — cleaner and cheaper than a bridge loan for move-up sellers with locked-up equity

• Mike's Mind: builders acting like banks, the jobs numbers nobody's checking, and yes — we crashed a rocket into the moon

• Main Event: a step-by-step AI setup — custom instructions, projects, context docs, connectors, artifacts, and skills

Resources:

• Buyer Assistant Project & My Brand Builder (free — interviews you and hands back a paste-ready AI profile): https://mikemillstx.com/realtor-ai-toolkits/

• More at mikemillstx.com

If this helped you sound smarter in front of your clients, hit subscribe, leave a review, and send it to one agent in your office who needs it. Got a client who needs a straight answer on financing, a second opinion on a pre-approval, or a lender who picks up the phone? Send them my way.

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Mike Mills | NMLS #756263 | GVC Mortgage (NMLS #2334), DBA Core Community Mortgage | Equal Housing Lender | 817-689-6079 | mike@mikemillstx.com

Rates referenced are market averages (Mortgage News Daily) as of 8/12/2026, not a quote; your rate depends on your specific situation.

How to Start Using AI in Real Estate: Small Moves Every Realtor Can Make (with Jeff Loyd)

If you want to know how to start using AI in real estate without buying 40 tools or a $999 masterclass, this episode is your on-ramp. Mike Mills sits down with Jeff Loyd — President and co-founder of Cloud Team Realty, one of the first DFW brokerages built AI-first from the studs up — for a hype-free, practical look at where agents should actually begin.

No robot butler named Chad required — just a few basics that give you your time back: using AI to learn (and making it cite its sources), role-playing tough client conversations, building your own simple tools, and automating the boring, repeatable work that quietly eats your week. Jeff shares real examples — a role-play prompt that saved an agent's full commission, a compliance bot that tracks CE credits so no license lapses, and using AI to crunch MLS data on a tricky listing price — while making the case that the human relationship is still what closes the deal.

Whether you're AI-curious or AI-overwhelmed, you'll leave with a clear first step.

In this episode:

• Why "you don't need 40 tools" — the three basics to start with
• Making AI cite its sources so you can trust but verify
• Role-playing clients to sharpen your pitch (and protect your commission)
• Projects vs. chats vs. cowork — what each one is, in plain English
• Real automations: CE-credit tracking, brand audits, MLS pricing analysis
• Where Zillow's AI push leaves agents — and why relationships still win
• Jeff's #1 rule: if you can do it manually, do it manually first

Guest: Jeff Loyd — President & co-founder, Cloud Team Realty · cloudteamrealty.com · jeff@cloudteamrealty.com

Host: Mike Mills — Mortgage Banker, GVC Mortgage (DBA Core Community Mortgage), NMLS #756263 · mikemillstx.com New episodes weekly — follow so you don't miss the next one, and if this helped, share it with an agent who needs it.

How AI picks realtors is the question every Texas agent should be asking right now — because your next client is Googling you, or straight-up asking ChatGPT about you, before they ever pick up the phone. After six months away, Mike Mills is back with a full relaunch and an episode that runs from a Middle East war and a brand-new Fed chair all the way to the uncomfortable truth about what the internet says about you when you're not in the room.

Part market update, part comeback story, part wake-up call for any Texas Realtor who wants to get found online in a world where AI increasingly decides who gets the referral.

In this episode:

- Where Mike's been for six months — the rebrand, and the AI tool he's been building all year

- The rate story connecting your buyer's mortgage payment to a Middle East war, a Venezuela oil play, and the US–China bond market

- Why "marry the house, date the rate" is lazy advice — and what to say instead

- A quick, honest look at where DFW prices, inventory, and days on market actually sit

- The five-minute, zero-cost agent tip that might be the most important thing you do all week

- Mike's Mind: failed Pentagon audits, a housing bill nobody wants to sign, Wall Street dumping homes… and yes, aliens

- The one seller mistake quietly costing thousands in this market

- The AI brand audit Mike built — showing you exactly how AI picks realtors, what it says about you, and how to fix it

Want your own AI brand audit? Email Mike at mike@mikemillstx.com and tell him you want the audit — he'll run it and send back your score, your five biggest opportunities ranked by impact, and a fix-list. Rather build it yourself? Same email, and he'll show you how.

Buying, selling, or refinancing in North Texas? That's Mike's day job — reach out anytime.

If this helped: subscribe, share it with an agent who needs it, or leave a quick review. Costs nothing, helps a lot.

mike@mikemillstx.com | mikemillstx.com

Rates discussed are provided by Mortgage News Daily. Check with a licensed loan officer like me to get your specific rate.