Get ready for an exhilarating journey through the fascinating world of real estate and lending trends as we welcome Ryan Buckholdt from Cross Country Mortgage. With decades of wisdom and a dash of humor, Ryan shares his unique insights into the mortgage industry, drawing from conversations with industry leaders like Mark Zandi from Moody's. He sheds light on the intricate dance of interest rates, inflation, and forecasts from heavyweights like Fannie Mae, all while keeping us entertained with clever anecdotes about political influences and personal experiences.

Our discussion takes a deep dive into the current real estate market dynamics, exploring the hurdles and strategies for move-up buyers and the critical role of reputation in lending. Ryan, Paul and Brian dissect different loan qualification processes, highlighting unconventional routes to secure financing for individuals with non-traditional incomes. The conversation reveals the powerful impact of local economies, particularly in tech-savvy areas like Santa Cruz, and how they shape real estate transactions. We also navigate the complex world of innovative financial strategies, including leveraging cryptocurrency and stock portfolios for real estate investments — a forward-thinking approach that promises to reshape traditional market practices.

As we wrap up, the episode turns its focus on the growing role of cryptocurrencies in real estate, diving into tax implications and documentation nuances. We round off with a lighthearted segment sharing personal contact details, encouraging direct connections with Ryan for those eager to explore his expert insights further. This episode is a must-listen for real estate aficionados and curious minds, blending professional wisdom with engaging stories and a touch of humor to keep you both informed and entertained.

Get more info from Ryan: https://crosscountrymortgage.com/santa-cruz-ca-8048/ryan-buckholdt/

@ryanbuckholdt

What if you could master the art of balancing personal life and professional success in the chaotic world of real estate? Today, we’re joined by Shemeika Fox from EXP Realty and Greg Lukina from David Ling Real Estate, two industry experts with compelling journeys and invaluable insights. From the quirks of football season impacting open houses to humorous personal anecdotes about workout routines and favorite bridesmaid dresses, this episode promises a rollercoaster of laughs and practical wisdom. We even throw in some friendly jabs about sports teams and give a shoutout to local high school sports.

Shemeika Fox, with her 20-year tenure in the industry, shares her evolving motivations and passion for real estate, providing a lesson in dedication and client connection. Meanwhile, Greg Lukina's unique transition from construction project management to real estate, armed with an MBA from Berkeley, sheds light on how diverse skill sets can lead to success. Both guests emphasize the importance of balancing personal relationships with professional demands, particularly in a community-driven market like Santa Cruz where personal relationships often trump corporate affiliations.

Navigating the complexities of real estate, we also discuss the critical role of transparency and integrity in client-agent relationships. From new industry requirements for commission guarantees to the nuances of property pricing strategies, this episode is packed with expert advice. We stress the significance of a robust support network and integrity, encouraging clients to interview multiple agents to find the right fit. Wrapping up with practical tips on property pricing and the challenges realtors face, our episode with Shemeika Fox and Greg Lukina is a must-listen for anyone keen on the real estate market.

Buckle up for a chaotic and hilarious episode where our playful banter sets the stage for a deep dive into the world of branding, storytelling, and social media strategy. Joining us is Daniel J—aka Daniel West or @doublemeatplease—a fitness fiend with a passion for food and a knack for creating engaging content.

Want to master Instagram branding? You're in the right place. We dissect the art of crafting a compelling brand narrative and the secrets behind converting viral video views into loyal followers. Learn how top brands like Red Bull focus on lifestyle and excitement, not just the product. Daniel shares how his brand 'Double Meat Please' evolved from casual food reviews into a strategic marketing powerhouse, and we debate the merits of quality content versus frequent posts. Whether you’re running a restaurant, a liquor company, or just looking to up your social media game, this segment is packed with actionable insights.

Finally, discover the passion and hustle behind Santa Cruise Vodka, a brand that’s as bold and irreverent as its creators. From winning double gold at the San Francisco Spirits Competition to expanding into BevMo, their journey is anything but ordinary. We also share personal anecdotes, from rebranding challenges to humorous content mishaps, and even touch on the importance of consistency in both personal and professional life. This episode is a rollercoaster of laughs, stories, and valuable lessons you won’t want to miss!

As we throw open the doors to Epique Realty, Paul and I are thrilled to usher you into the vibrant future of real estate. This episode is a treasure trove of insider knowledge, reflecting on our collective 55 years in the industry and the seismic shifts that have led us from eXp to our latest endeavor. Tune in for a candid look at how market trends, especially in these volatile times, are shaping the strategies of realtors and clients alike. We're sharing personal stories and unpacking the ethics that drive our practice, from the importance of emotional intelligence to the dangers of sacrificing client welfare for commissions.

Dive into the heart of the real estate cosmos with us as we explore how Epique Realty is carving out a niche with its agent-centric philosophy and robust support system. You'll find out why we're convinced that this company stands poised to eclipse the competition, offering not just financial incentives but a culture of care that extends from healthcare benefits to AI-driven tools. We'll dissect the opportunities this presents for agents everywhere—how they can not only survive but thrive by embracing change and innovation in a traditionally rigid industry.

In our journey through the real estate universe, we'll also highlight how Epique Realty supports agents beyond the sale with benefits that feel like a warm blanket in a cold market. From free IDX agent websites to leads that flow as abundantly as coffee in a broker's office, we're unpacking the tech tools and financial perks that are reshaping the landscape. Join us for an episode that's as much about building a successful career as it is about nurturing the human connections that make real estate about more than just bricks and mortar.

Have you ever stood amidst the rubble of a home renovation and seen it as a metaphor for divorce? It's messy, unpredictable, and requires expert navigation. Join us as family law attorney Darlene Kemp lends her wisdom and experience.

If you've wondered how modern marriages can withstand the test of time or why some end in a courtroom battle, this episode is your gateway to understanding. We bridge the gap between legal expertise and spiritual reflection, guiding you through the societal changes that have shaped today's divorce landscape. Mike's take on the spiritual implications of marriage and divorce complements Darlene's legal acumen, ensuring you leave with a more nuanced understanding of these complex issues. We don't shy away from discussing the financial sting of attorney fees or the strategic considerations in long-term versus short-term marriages, all while maintaining a thread of relatable humor throughout.

We wrap up with a conversation that could save you from the public spectacle of divorce court. Exploring alternative routes, Darlene underscores the benefits of privacy and emotional well-being when resolving divorce and custody issues privately. And for those contemplating a walk down the aisle again, we tackle the evolving perspective on prenuptial agreements in multiple marriages. So, settle in for a heartfelt, informative, and yes, even entertaining journey through the maze of divorce, where we promise more than a few unexpected turns and valuable takeaways.

Santa Cruz County's very own director of public works, Matt Machado, joins us for a candid conversation that peels back the layers on the scenic yet challenging landscape of local real estate and infrastructure. As Matt shares his transition from Stanislaus County to our breezy Santa Cruz shores, we get an insider's look at the policy shifts and government enhancements he's championing. Our chat navigates through the quirky traits of our community and zeros in on the nitty-gritty of fostering impactful changes in housing and transportation.

Strap yourself in for an eye-opening cruise along Santa Cruz's winding roads, where you'll learn about the delicate dance of county and city services amidst land use conundrums and financial quagmires. It's a rollercoaster ride through property tax puzzles, the need for septic system overhauls, and the harsh reality of natural disaster impacts, all narrated with Matt's refreshingly straightforward take. Plus, you won't want to miss our robust discussion on the latest efforts in construction and how even small victories can pave the way for a smoother future.

As we wrap up our journey, we don't shy away from the personal touch—sharing stories from the front lines of navigating the county permit process and how to stand your ground when it comes to public works and county inspectors. We highlight the collective push for streamlined governance and celebrate the small yet significant strides being made in public transit and permit processes. Dive into the heart of community dialogue, where we emphasize the power of connection and the transformation that can come from joining forces to create a more connected and well-managed Santa Cruz.

Let's ride the wave with Ryan Buell, founder of Buell surf brand, as he shares his enthralling journey from being an ambitious surfer to becoming a successful entrepreneur. Listen up as Ryan narrates his daring battle against industry giants, his venture into creating an outstanding private label wetsuit brand, and his novel shift from petroleum-based to rubber tree-based products. As we explore Ryan's commitment to sustainability, we also dive into the details of his innovative wetsuit designs, buoyant enough to save lives in dangerous environments like Pipeline.

Then join us as we raise a glass to the exciting rebranding story of Santa Cruise Vodka, and its debut of a new wine at the Paradox Hotel re-opening event. Sip on your curiosity as we unravel the complexities of trademarking, that led the Santa Cruise Vodka team to hire not one, but two attorneys. We also delve into the heart-warming tale of One Hope Wine, a company that marries business with charity.

Who says real estate can't be a side hustle? Join us as we shine a light on the realities of the real estate industry, figure out why social media is a must-have tool for every real estate agent, and explore if a thrilling venture like the California market could be your next move. We don't just talk big; we bring you valuable insights.

Get ready for a wild ride as we navigate the mortgage maze, exposing large portfolio lender pitfalls, and discuss real-world strategies to secure your loan. You'll hear us dissect the sacrifices of homeownership, the impact on mental health when a significant chunk of your income is tied up in housing, and the latest scoop from the NFL. Yes, we even managed to fit some sports in between all this real-estate talk!

We delve into how market comprehension is key to safeguarding your interests, whether you're a buyer, seller, or an agent. So, pull up a chair and lend us your ears as we take you on a real estate rollercoaster ride!