It's Real

Welcome to the "It's Real" Podcast with Kayla Kallander, mortgage lender, and Andrew Yaggie, realtor. Each week we'll talk about what happens behind the scenes working full-time in real estate and share with you real life stories, our successes, and hurdles as we work to help consumers and industry professionals reach their real estate and real life goals!

It's Real is a education podcast hosted by Kayla Kallander & Andrew Yaggie, with 120 episodes on record and a Required Pod Score of 80.

Kayla Kallander & Andrew Yaggie hosts It's Real, a education show with 120 episodes published.

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  Episode #120

  Episode 120 - Rising Mortgage Rates & Preparing for Your Next Real Estate Move

  Sep 17, 202631 minS4

  Episode 120 of the It’s Real Podcast is live with Kayla Kallander and Andrew Yaggie! This week, they break down what rising mortgage rates mean for homebuyers and why your interest rate is only one piece of the bigger financial picture. They also discuss preparing for your next real estate move, why strong communication between buyers, real estate agents, and lenders matters, and the value of having experienced professionals in your corner. Tune in for a real conversation about mortgage rates, home buying, real estate, and making informed financial decisions in today’s housing market.

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  Episode #119

  Episode 119 - Buyers Disqualifying Themselves, Parents Co-signing, Gifts, Being Comfortable After You Buy

  Sep 3, 202633 minS4

  Episode 119 of the It’s Real Podcast is all about navigating real estate—and life—when there isn’t always an obvious “right” answer. Andrew Yaggie and Kayla Kallander catch up on the start of a new month, new goals and family life before diving into what they’re seeing firsthand with buyers, sellers, financing and today’s changing market. From affordability challenges and deals falling apart to using home equity wisely and planning for a mortgage payment you can actually live with long term, this episode is packed with real-world conversations about making informed decisions instead of simply hoping everything works out. In Episode 119, Andrew and Kayla discuss: * Why some buyers are unnecessarily disqualifying themselves before ever talking with a lender * The growing role of parents, gifts and co-borrowers in helping today’s buyers purchase homes * Why more real estate contracts are falling apart—and how inspections, insurance and affordability are playing a role * The importance of sellers understanding their true market value, goals and net proceeds * Creative ways to use equity from the sale of a home instead of automatically putting every dollar into the next house * When buying down an interest rate may—or may not—make financial sense * Why “buy the house and refinance later” can be a dangerous plan if the numbers don’t work today * The risks of temporary rate buydowns, adjustable-rate mortgages and assuming rates will fall * Why buyers need to plan for future taxes, insurance, special assessments and changing household expenses * The bigger financial literacy problem Andrew and Kayla see among consumers—and why being your own advocate matters * Plus, September resets, back-to-school traditions, family goals and Andrew’s plans for building a new home

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  Episode #118

  Episode 118 - Mortgage Rates, Home Equity & Smarter Real Estate Decisions

  Sep 3, 202634 minS4

  This week, Andrew Yaggie and Kayla Kallander are talking about what really matters when buying, selling, and financing real estate — and why the lowest mortgage rate isn’t always the best financial decision. We’re digging into: - Why buyers should look beyond the interest rate - How homeowners can strategically use their equity - Why mortgage options aren’t one-size-fits-all - The importance of having experts — while still advocating for yourself - How appraisals actually work and what happens after the report comes back - Why a real estate deal isn’t done until it’s really done Plus, Kayla shares insights from a recent HousingWire feature highlighting the importance of education and financial planning in today’s mortgage market. Join Andrew Yaggie and Kayla Kallander LIVE for Episode 118 of the It’s Real Podcast — real conversations about real estate, money, and the things happening behind the scenes.

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  It's Real

  Episode 117 - Mortgage Rates, 50-Year Mortgages & What Good Advice Really Looks Like

  Aug 20, 202634 min

  Episode 117 of the It’s Real Podcast is live with Kayla Kallander and Andrew Yaggie. This week, they get into real estate, mortgages, and what it really takes to guide clients through today’s market. They discuss why the lowest advertised mortgage rate isn’t always the best deal, whether waiting for rates to drop could actually cost buyers, and the potential pros and cons of a 50-year mortgage. They also talk about why good advice starts with understanding a client’s goals, the value of having the right real estate and lending professionals around you, and why experience, communication, and strong standards matter more than ever. Plus, there’s a little summer lake life, flying, community events, and plenty of real-life conversation along the way. Tune in to Episode 117 of the It’s Real Podcast for a candid conversation about mortgage rates, home buying, real estate, lending, and making smarter decisions in today’s housing market.

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  It's Real

  Episode 116 - Why the Best Real Estate Professionals Don’t Work With Everyone

  Aug 18, 202633 min

  There’s no easy button in real estate.. or in life. In this episode of the It’s Real Podcast, Kayla Kallander and Andrew Yaggie discuss where mortgage rates may be headed, why home equity is reaching record levels for many homeowners, and how AI is changing real estate and lending. They also talk about building stronger client relationships, asking better questions, and why you don’t have to work with everyone. This episode is a candid conversation about navigating changing markets, demanding clients, and the reality that success in real estate, homeownership, and life comes from choosing your hard. If you’re a homebuyer, homeowner, real estate agent, or mortgage professional, this episode offers practical insights on today’s housing market, mortgage trends, and long-term decision making.

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