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  • 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
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    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
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    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 ...
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    29 分
  • Set Up Your AI Like an Employee — The Realtor's Step-by-Step

    Set Up Your AI Like an Employee — The Realtor's Step-by-Step
    2026/08/13

    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.

    —

    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.
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    39 分
  • How to Start Using AI in Real Estate: Small Moves Every Realtor Can Make

    How to Start Using AI in Real Estate: Small Moves Every Realtor Can Make
    2026/07/22

    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.
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    1 時間 8 分
  • How AI Picks Realtors: What the Internet Says About You When You're Not in the Room

    How AI Picks Realtors: What the Internet Says About You When You're Not in the Room
    2026/07/07

    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.
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    36 分
  • The Fed Rate Cut Explained: Why Mortgage Rates Could Still Drop in 2026

    The Fed Rate Cut Explained: Why Mortgage Rates Could Still Drop in 2026
    2025/12/15
    Episode Description:The Federal Reserve just cut rates for the third time this year—but then signaled they're basically done. So what does that actually mean for mortgage rates and homebuyers in 2026?In this episode, Mike breaks down the December 2025 Fed meeting and explains three real reasons why mortgage rates could continue to drop in 2026, even though the Fed is pumping the brakes on future cuts. You'll learn:Why the Fed doesn't actually control your mortgage rate (and what does)How Fannie Mae and Freddie Mac's $234 billion MBS buying spree is pushing rates downWhat happens when Jerome Powell's term ends in May 2026The real math behind "waiting for lower rates" vs. buying nowCurrent opportunities in the Texas housing marketSpecial Note: This episode was created using AI voice cloning technology. The research, analysis, and insights are 100% Mike's—but the audio is AI-generated using his cloned voice. He explains why at the end and offers to show you how to do the same for your business.Key Timestamps:[00:00] - Intro: AI voice technology transparency[02:15] - The Fed doesn't control mortgage rates—here's what does[05:30] - Reason #1: Fannie/Freddie's massive MBS buying spree[08:45] - Reason #2: New Fed Chair coming in May 2026[11:00] - Reason #3: Rates already dropped and could fall further[13:30] - The math: Why waiting costs you $38,400[16:15] - Texas market snapshot and current opportunities[19:00] - What you should actually do right now[21:45] - How this content was created (AI workflow explanation)[23:30] - Closing and contact infoResources Mentioned:Fannie Mae & Freddie Mac MBS Data: Referenced $234B portfolio expansionFederal Reserve December 2025 Meeting: Fed Funds Rate cut to 3.5-3.75%Texas A&M Real Estate Center: Texas housing market dataFed Chair Candidates: Kevin Hassett, Kevin Warsh, Chris WallerKey Takeaways:✅ The Fed Funds Rate and mortgage rates are NOT the same thing✅ Mortgage rates are driven by Mortgage-Backed Securities (MBS), not Fed policy✅ Fannie/Freddie are actively buying MBS to push rates down✅ A new Fed Chair in May 2026 could mean more rate cuts✅ Waiting for "perfect" rates while home prices appreciate 4-5% costs more than buying now✅ Texas market has shifted—seller concessions available, bidding wars are rare✅ Best strategy: Buy at today's prices, refinance later if rates dropAbout This Episode:This episode uses AI voice cloning technology. Mike wrote the script, conducted the research, and provided all analysis—but the audio was generated using his cloned voice through Eleven Labs. This allows for efficient content creation while maintaining quality and authenticity.Interested in learning how to create content like this for your business? Contact Mike for a walkthrough of the AI tools and workflows he uses.Connect with Mike Mills:📞 Phone: 817-689-6079📧 Email: mmills@sfmc.com🔗 Links: linktr.ee/mikemillsmortgageMike Mills is a North Texas mortgage banker with Service First Mortgage (NMLS #756263), specializing in helping first-time buyers, move-up buyers, and investors navigate the mortgage process.Subscribe & Follow:🎙️ Podcast: The Texas Real Estate & Finance Podcast🌐 Website: thetexasrealestateandfinancepodcast.com📘 Facebook: facebook.com/millsmortgage📸 Instagram: @mikemillsmortgage🎬 YouTube: Mike Mills Mortgage💼 LinkedIn: Mike MillsFed rate cut explained, mortgage rates 2026, Federal Reserve, homebuying tips, Texas real estate, refinance strategy, Fannie Mae, Freddie Mac, mortgage-backed securities, Jerome Powell, interest rates, housing market 2026, first-time homebuyer, real estate investing, North Texas housingLegal Disclaimer:This podcast is for educational and informational purposes only. Mortgage rates, terms, and market conditions vary by individual circumstances. Contact a licensed mortgage professional for personalized advice. Mike Mills NMLS #756263 | Service First Mortgage | Equal Housing LenderEpisode Notes:Recorded: December 2025 (AI-generated audio)Research Date: December 11-15, 2025Fed Meeting Referenced: December 9-10, 2025Technology Used: Eleven Labs voice cloning, AI script narrationUntil next time—be good humans, and just keep grinding. Because life is what you make it, so make it great.
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    13 分
  • Real College Funding Strategies: Scholarships, FAFSA, and 529 Tips

    Real College Funding Strategies: Scholarships, FAFSA, and 529 Tips
    2025/11/18
    College funding strategies parents ignore. If your buyers are asking how to afford tuition and a mortgage, this episode breaks down real-world college savings plans, FAFSA filing tips, and scholarship stacking strategies. Learn how one Texas family used student-athlete recruiting and a 529 savings plan to cut future student loans without derailing their homeownership goals.Episode OverviewCollege funding strategies take center stage in this episode as Mike and his daughter Catey walk through the real-life steps they used to navigate scholarships, FAFSA planning, and long-term college savings. Catey shares her experience as a student-athlete, giving Realtors insight into how athletic recruiting actually works and why academic scholarship planning matters early. The episode explains how a 529 savings plan can reduce future debt and why so many families overlook smaller, local scholarships.Mike also breaks down FAFSA filing tips, plus what every parent should know about tuition planning at private vs. state schools. For Realtors who get asked, “Should we save for college or buy a house first?” this conversation provides practical language for guiding clients through major financial decisions. With real examples and honest lessons learned, this episode equips real estate pros to support families navigating the balance between college costs and homeownership.Key Takeaways1. Start College Funding Early With a 529 PlanA 529 savings plan remains one of the most reliable college funding strategies thanks to tax-free growth and compounding returns. Mike explains how even small monthly contributions add up, and how new 529 rollover rules help students build long-term retirement savings. Realtors can use this insight when clients ask how college planning affects future homebuying power. Early action creates flexibility instead of financial strain.2. Academic Scholarships Are the Biggest Missed OpportunityCatey’s story shows how academic scholarship guides and strong GPAs are a major cost-saver—especially at private schools. Many parents don’t realize freshman-year grades impact class rank and scholarship offers. When clients ask, “Where do we even start with college money?”, academic merit is often the most impactful answer. These scholarships can offset tuition without relying on athletic recruiting.3. FAFSA Opens Doors—Even for Higher-Income FamiliesFAFSA planning is essential, not optional. Filing early opens access to grants, school-based aid, and student loan options that reduce long-term debt. Mike dispels the myth that "FAFSA won’t help higher earners" and explains why every family must submit it. This context helps Realtors answer questions like, “Will student loans limit our ability to buy a home later?”4. Student-Athlete Recruiting Requires Realistic ExpectationsCatey describes her path through D1, D2, D3, NAIA, and JUCO evaluations—and why recruiting requires consistent effort, highlight videos, and campus visits. Athletic scholarships aren’t guaranteed, so families need to understand the true landscape. Realtors supporting sports families can help them think through travel costs, schedules, and timelines that influence both college planning and future home decisions.5. Local Scholarships and AI Tools Are the Secret AdvantageMike explains why small local scholarships—often $500 to $2,500—are the easiest money families overlook. Catey highlights how Bold.org, Niche, and AI tools simplify the search and even help refine essays. For Realtors asked, “What else can we do to find college money quickly?”, these tools provide real direction. Small awards add up fast and meaningfully lower college costs.Resources Mentioned in This EpisodeScholarship + Financial Aid ToolsFastWeb – Largest scholarship database; matches based on student profiles – https://www.fastweb.comScholarships.com – National + local scholarship search – https://www.scholarships.comBold.org – No-essay and competitive scholarships – https://bold.orgGoingMerry – Single application for multiple scholarships – https://www.goingmerry.comCappex – Great for juniors and early seniors – https://www.cappex.comFAFSA – Required for federal aid, grants, loans – https://studentaid.govCollege SavingsT. Rowe Price / Alaska 529 – Mike’s preferred 529 plan – https://www.troweprice.com/personal-investing/ira/529.htmlTexas 529 Plan – State-specific savings benefits – https://www.texascollegesavings.comStudent-Athlete Recruiting ToolsNCSA – Recruiting tools and athlete profiles – https://www.ncsasports.orgSportsRecruits – Video tools and coach messaging – https://sportsrecruits.comPodcast + Mortgage ResourcesPodcast Website – Access past episodes – https://www.thetexasrealestateandfinancepodcast.comMike’s Linktree – Mortgage tools & resources – https://linktr.ee/mikemillsmortgageIf this episode helped you understand college planning—and how to guide your clients through big ...
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    1 時間 11 分