RealEstateAF Podcast

Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All! Key Factors podcast, powered by LoanBot . Your Host Mark Jones invites Industry Pros to help uncover & educate on the key factors of various topics. There’s something for everyone so let us be your guides and get educated. Subscribe & Follow on Spotify, Apple Podcast, Facebook, Instagram, & all other podcasting platforms. Host : Mark A Jones Founder of LoanBot Mobile App & ReviewMyMortgage.com Producing Branch Manger Sr. Loan Officer. NMLS ID# 513437NMLS Consumer Access: http://www.nmlsconsumeraccess.org/Powered by LoanBot - Smarter Mortgage Matching App.

RealEstateAF Podcast is a education podcast hosted by Unknown Host, with 170 episodes on record and a Required Pod Score of 80.

Unknown Host hosts RealEstateAF Podcast, a education show with 170 episodes published.

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  RealEstateAF Podcast

  What Kinda Genius Are You? The 6 Types of Working Genius

  Sep 16, 20261h 15m

  Send us Fan Mail Stop Forcing Work That Drains You: Find Your Working Genius What kind of work gives you energy—and what quietly drains your battery? In Real Estate AF Episode 166, Mark Jones sits down with Giancarlo Anduray, a Phoenix Branch Manager and mortgage leader, to break down The 6 Types of Working Genius and apply the framework to real estate, mortgage sales, leadership, hiring, partnerships, marriage and burnout. Giancarlo walks Mark through his assessment in real time. The result explains why Mark naturally builds systems, solves problems and questions inefficiency—and why repetitive support tasks can drain him even when he can do them well. THE SIX TYPES • Wonder — identifies a need for improvement or change • Invention — generates ideas and solutions • Discernment — evaluates whether an idea will work • Galvanizing — creates enthusiasm and action • Enablement — supports implementation • Tenacity — drives work through completion IN THIS EPISODE • Why being different does not mean you are broken • Joy versus short-term motivation • Genius, competency and working frustration • Why talented people can be trapped in the wrong role • Hiring and retaining complementary people • Why one sales activity energizes one person and drains another • Mark’s Invention + Discernment pairing • Reducing conflict at work and at home • Building teams and referral partnerships around natural strengths • A real-estate YouTube success story created by changing the activity—not the person GUEST Giancarlo Anduray Branch Manager | NMLS #1537433 Premier Mortgage Resources, LLC | NMLS #1169 623-552-4191 https://www.pmrloans.com/loan-officer/giancarlo-anduray/ WORKING GENIUS RESOURCE https://www.workinggenius.com/ HOST Mark Jones | NMLS #513437 Host, Real Estate AF Senior Mortgage Loan Officer | Branch Manager iThink Mortgage powered by Premier Mortgage Resources https://MortgageTalkWithMark.com/ https://www.youtube.com/@MortgageTalkwithMark POWERED BY LOANBOT https://myloanbot.ai/ CHAPTERS 00:00 Get Better Every Day — Cold Open 00:32 Welcome to Real Estate AF 01:17 Meet Giancarlo Anduray 02:09 Why Working Genius Matters in 2026 04:22 Joy vs. Happiness 07:19 How Giancarlo Found Working Genius 10:16 Conflict, Expectations & Self-Awareness 13:39 Hiring Complementary People 15:49 Mark Takes the Assessment 16:44 Genius, Competency & Frustration 20:08 Wrong Role—or Wrong Person? 21:54 Wonder 24:31 Invention 26:25 Discernment 30:51 Galvanizing 34:18 Enablement 38:39 Tenacity 41:10 Why Teams Need All Six 43:36 Mark’s Results: Invention + Discernment 48:18 Competency, Burnout & Regulation 51:41 Working Genius at Home 54:42 Frustrations, Adaptations & Leadership 59:52 Mark’s Unique Pairing 1:02:42 Giancarlo’s Pairing & Complementary Teams 1:05:39 Referral Partners & Team Fit 1:06:26 The YouTube Success Story 1:08:54 Applying Working Genius 1:10:34 How to Reach Giancarlo 1:11:30 Final Takeaways 1:15:00 Closing QUESTION FOR YOU Which type sounds most like you: Wonder, Invention, Discernment, Galvanizing, Enablement or Tenacity? Comment below, then send this episode to the teammate, spouse or business partner whose strengths are completely different from yours. IMPORTANT DISCLOSURES This content is for educational and entertainment purposes only. It is not legal, tax, financial, psychological, employment, human-resources, real estate or individualized mortgage advice. Working Genius is a workplace-development framework, not a clinical diagnosis or substitute for licensed medical or mental-health advice. The 6 Types of Working Genius®, Working Genius® and related terminology are associated with Patrick Lencioni and The Table Group. This independent podcast discussion is not sponsored by or affiliated with The Table Group unless expressly stated. Nothing presented is a commitment to lend, loan approval, rate quote, rate lock, Loan Estimate, offer of credit or guarantee of terms. Mortgage programs, rates, costs, guidelines and availability may change without notice. All loans are subject to qualification, credit and property approval, verified documentation, underwriting and program availability. Not all applicants or properties will qualify. Guests speak for themselves. Their views do not necessarily represent Mark Jones, iThink Mortgage, Premier Mortgage Resources, LoanBot or any affiliated organization. No compensation is paid or received for referrals, endorsements or podcast appearances unless disclosed. No referral or settlement-service arrangement is intended or offered in violation of RESPA or applicable law. LoanBot is an educational mortgage technology resource. It does not approve loans, make credit or underwriting decisions, guarantee eligibility or replace a licensed mortgage professional. Mark Jones | NMLS #513437 Giancarlo Anduray | NMLS #1537433 Premier Mortgage Resources, LLC | NMLS #1169 Equal Housing Lender #RealEstateAF #WorkingGenius #Leadership Support the show RealEstateAF is Powered by LoanBot.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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  RealEstateAF Podcast

  2 Heads Are Better Than 1: Inspections, Repairs & Real Estate Strategy

  Sep 16, 20261h 9m

  Send us Fan Mail Two heads are better than one—especially when one understands the numbers and the other understands what may be happening behind the walls. In Real Estate AF Episode 165, Mark Jones sits down with San Antonio Realtors Laura Vincelette and Jeff Froboese for a direct conversation about home inspections, repair requests, financial strategy, teamwork, staging and long-term client trust. Laura brings a banking and financial-education background. Jeff brings real estate, first-responder and prior home-inspection experience. Together, they explain why a long report does not automatically mean a home is falling apart, why repairs are not simply a second price negotiation, and why they joined forces to launch KSM Realty Group. IN THIS EPISODE: • What a home inspection is—and what it is not • Why “deficient” does not always mean catastrophic • Negotiating repairs versus renegotiating the purchase price • Seller repairs, credits and lender-required property conditions • Why buyers should attend the inspection when possible • Laura’s move from banking into full-time real estate • Jeff’s real estate, first-responder and inspection experience • The story and meaning behind KSM Realty Group • Why sellers must showcase—not merely list—a home • Physical staging versus virtual staging • How added service creates repeat and referral business GUESTS: Laura Vincelette REALTOR® | Phillips & Associates Realty https://www.phillipsrealty.co/agents/1894051/Laura%2BVincelette Jeff Froboese Real Estate Advisor | Premier Realty Group Platinum https://www.zillow.com/profile/JFroboese0 Together announcing KSM Realty Group in this episode. HOST: Mark Jones Host, Real Estate AF Branch Manager | Senior Mortgage Loan Officer NMLS #513437 https://MortgageTalkWithMark.com/ YouTube: https://www.youtube.com/@MortgageTalkwithMark POWERED BY LOANBOT: Smarter mortgage matching and practical tools. https://myloanbot.ai/ CHAPTERS: 00:00 Real Estate AF Intro 00:32 Episode Setup 01:17 Meet Jeff Froboese & Laura Vincelette 04:38 Why Two Skill Sets Work Better Together 08:18 What a Home Inspection Actually Means 11:47 Repairs Are Not a Second Price Negotiation 13:25 Lender-Required Repairs & Appraisal Concerns 16:56 Laura’s Return to Real Estate 20:26 Going All In & How Jeff and Laura Met 25:45 Building a Team in Today’s Market 30:32 The Story Behind KSM Realty Group 35:20 Roles, Values & Team Culture 38:54 Working With the Other Side 44:12 Why Two Heads Are Better Than One 47:20 Staging as a Listing Strategy 49:22 Physical Staging vs. Virtual Staging 56:42 Advice for Buyers, Sellers, Lenders & Realtors 1:00:04 Becoming a Trusted Real Estate Advisor 1:02:33 What the Staging Data Says 1:05:21 How Extra Service Creates Referrals 1:06:42 Keep Moving: Final Takeaways 1:07:45 Mark’s Closing Message QUESTION FOR YOU: After an inspection, what matters most: the seriousness of the defect, the cost to correct it, the buyer’s comfort level or the effect on financing? Comment below, subscribe and share this episode with someone who needs a clearer understanding of inspections and repairs. IMPORTANT DISCLOSURES: This content is provided for general educational and informational purposes only. It does not constitute mortgage, financial, legal, tax, credit, inspection, engineering, construction or investment advice. Mortgage programs, guidelines, rates, costs and qualification requirements are subject to change and vary by borrower, property, lender and investor. Nothing presented constitutes a commitment to lend, loan approval, rate quote, rate lock, Loan Estimate or offer to extend credit. Examples are illustrative or hypothetical unless expressly identified otherwise. All loans are subject to qualification, credit and property approval, verified documentation, underwriting requirements and program availability. A home inspection is not a guarantee of property condition. Consult appropriately licensed inspectors, engineers, contractors, attorneys and other qualified professionals. Guest statements and opinions are their own and do not necessarily represent Mark Jones, Real Estate AF, iThink Mortgage, Premier Mortgage Resources or LoanBot AI. No compensation is paid or received for referrals, endorsements or podcast appearances unless expressly disclosed. No referral or settlement-service arrangement is intended or offered in violation of RESPA or applicable law. LoanBot AI is an educational mortgage technology resource. It does not approve loans, make credit or underwriting decisions, guarantee eligibility or replace consultation with a licensed mortgage professional. Mark Jones | NMLS #513437 iThink Mortgage powered by Premier Mortgage Resources, LLC | NMLS #1169 Equal Housing Opportunity #RealEstateAF #HomeInspection #SanAntonioRealEstate Support the show RealEstateAF is Powered by LoanBot.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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  RealEstateAF Podcast

  Before You Build a Custom Home, Watch This | Plans, Permits & Budgets

  Sep 6, 202659 min

  Send us Fan Mail Before you build a custom home, buy land, or start a major renovation, there are some things you NEED to understand first. On this episode of Real Estate AF, Mark Jones sits down with Brendalis Perez of Lis Architectural Design Services to uncover what really happens BEFORE construction begins. Brendalis brings decades of experience in architectural design, including custom homes, remodels, additions, interior design, cabinetry, permitting, and historic preservation. We get into the relationship between DESIGN, LAND, BUDGET, CONSTRUCTION, PERMITS and REAL ESTATE VALUE. IN THIS EPISODE: • What an architectural designer actually does • Why the designer can become the “quarterback” of a custom-home project • Dream home ideas vs. real-world budgets • Why the right lot matters BEFORE you design • Topography, flood zones, views and site conditions • What goes into architectural plans • Why changes on paper are cheaper than changes during construction • Custom-home design timelines • Lessons from luxury home design in Miami • Difficult lots and challenging elevations • Why remodeling can be harder than new construction • What happens when renovations begin without proper plans or permits • How AI is already being used in architectural design • Why experience and critical thinking still matter • What Realtors and buyers should understand before purchasing land One of the biggest takeaways: A beautiful idea isn’t enough. The LAND has to work. The BUDGET has to work. The DESIGN has to work. The ENGINEERING has to work. The PERMITS have to work. And eventually…the FINANCING and VALUE have to work. That’s why architectural design is absolutely a REAL ESTATE conversation. ━━━━━━━━━━━━━━━━━━━━ ️ MEET OUR GUEST BRENDALIS PEREZ Lis Architectural Design Services Website: https://www.lisarchitecturaldesignservices.com/ Facebook: https://www.facebook.com/lis.arch.92 ━━━━━━━━━━━━━━━━━━━━ ️ REAL ESTATE AF Real Estate AF is where real estate, mortgages, finance, entrepreneurship, technology and the professionals who actually make this industry work collide. Hosted by Mark Jones. Mortgage News, Resources & Tools: https://mortgagetalkwithmark.com/ Connect with Mark: https://meetmarkjones.com/ Powered by LoanBot — Smarter Mortgage Matching: https://loanbot.com/ ━━━━━━━━━━━━━━━━━━━━ ⏱️ CHAPTERS 00:00 Why Architectural Design Matters 02:14 Puerto Rico, Miami & Luxury Custom Homes 09:56 Dream Home vs. Realistic Budget 18:18 What an Architectural Designer Actually Does 24:31 Why the Designer Becomes the “Quarterback” 26:31 What Custom Home Plans Really Involve 36:19 Architecture, Inspiration & Client Vision 41:28 Difficult Lots, Topography & Custom Homes 46:14 AI Meets Architectural Design 51:19 Remodels, Permits, Land & Buyer Advice ━━━━━━━━━━━━━━━━━━━━ ⚠️ DISCLAIMER This content is for educational and informational purposes only and is not architectural, engineering, construction, legal, tax, appraisal, real estate, insurance or mortgage advice. Building codes, zoning, permitting requirements, HOA restrictions, costs, timelines, engineering requirements and lending guidelines vary by property and jurisdiction. Always consult the appropriate qualified professionals and local authorities before making decisions involving construction, real estate or financing. Examples, costs, projects and opinions discussed are not guarantees of pricing, value, approval, timing or future results. Mortgage information is educational and is not a commitment to lend. Loan approval, terms, rates and eligibility are subject to underwriting, credit approval, program guidelines and property eligibility. Mark Jones | NMLS #513437 iTHINK Mortgage powered by Premier Mortgage Resources | NMLS #1169 Guest opinions are their own and do not necessarily represent the views of the host, sponsors or affiliated companies. ━━━━━━━━━━━━━━━━━━━━ WHAT SURPRISED YOU MOST? The design process? Buying the right lot? Permitting? Topography? Remodeling? Or how AI is changing architecture? Drop it in the comments and SUBSCRIBE for more Real Estate AF. #RealEstateAF #CustomHomeDesign #SanAntonioRealEstate Support the show RealEstateAF is Powered by LoanBot.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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  RealEstateAF Podcast

  Producer or Pretender? The Truth About Winning in Real Estate | Ep. 163

  Aug 12, 20261h 19m

  Send us Fan Mail What separates a licensed real estate agent from a real producer? In Real Estate AF Episode 163, Mark Jones sits down with Jason Smith of San Antonio Real Producers and Miguel Herrera of The Agency San Antonio to move past the complaints and talk solutions: how agents turn pressure into production and panic into a real pivot. This conversation covers: • Why 2020–2022 created “order takers” who never had to build the fundamentals • Why a difficult market can still create opportunity • Why luxury is driven by relationships, trust, brand and experience—not simply lead generation • How Miguel built a career by finding a niche and going where the buyers were • Why top agents tell clients what they need to hear, not what they want to hear • How coaching, work ethic, pricing discipline and long-term relationships separate producers from pretenders • A rapid-fire “Producer or Pretender?” segment • A direct closing challenge: Somebody will win in this market—why not you? GUESTS Jason Smith — Publisher, San Antonio Real Producers; small-business coach and consultant https://www.realproducersmag.com/locations/san-antonio-real-producers-89cc/ Miguel Herrera — Luxury real estate producer and brokerage leader, The Agency San Antonio https://miguelherrera.theagencyresa.com/ HOST Mark Jones | NMLS #513437 Branch Manager | Sr. Mortgage Lender (210)683-1481 https://mortgagetalkwithmark.com/ Powered by LoanBot — smarter mortgage matching. QUESTION FOR YOU - Are you producing, pivoting or pretending right now? - Leave one action you are taking in the next 24 hours in the comments. Subscribe, share this episode with an agent who needs to hear it and turn on notifications for more unfiltered real estate and mortgage conversations. This program is for education and entertainment only. Guest statements and opinions are their own. #RealEstateAF #RealEstatePodcast #TopProducer CHANNEL & MORTGAGE DISCLOSURE Mark Jones | Sr. Mortgage Loan Officer | Branch Manager NMLS #513437 iThink Mortgage powered by Premier Mortgage Resources Premier Mortgage Resources, LLC | Company NMLS #1169 Equal Housing Opportunity All content is provided for educational and informational purposes only and is not financial, legal or tax advice. Nothing presented constitutes a commitment to lend, guarantee of approval, rate quote, offer to extend credit or representation that any particular loan program is available or appropriate for every borrower. All loans are subject to borrower qualification, credit approval, income and asset verification, underwriting requirements, acceptable property conditions, program eligibility and applicable federal and state regulations. Interest rates, loan programs, guidelines, costs, terms and availability are subject to change without notice and may vary based on borrower qualifications, property type, loan amount and market conditions. Opinions expressed by Mark Jones are his own and may not represent the views of Premier Mortgage Resources, LLC. Guest opinions and statements belong solely to the individual guests. Guest participation does not constitute an endorsement, referral arrangement or guarantee of any service. No compensation is paid or received for the referral of settlement-service business in violation of the Real Estate Settlement Procedures Act. Any businesses, professionals or services discussed are mentioned for educational or editorial purposes unless expressly disclosed otherwise. Mortgage scenarios, payment examples and financial illustrations discussed may be hypothetical and should not be interpreted as a personalized loan estimate, rate quote or determination of borrower eligibility. LoanBot and any AI-powered tools referenced are educational and informational resources only. They do not approve loans, make underwriting decisions or replace consultation with a licensed mortgage professional. MortgageTalkWithMark.com CHAPTERS 00:00 Opening: From Pressure to Production 01:12 Meet Jason Smith and Miguel Herrera 04:56 Luxury Is a Mindset 10:07 Bad Market or Opportunity? 20:46 The Agent Production Gap 22:54 COVID-Era “Order Takers” 28:07 Solutions: Work, Training and Collaboration 38:15 This Isn’t 2008—Find Your Niche 50:46 Luxury Clients, Pricing and Authority 58:53 What Top Producers Do Differently 1:07:58 Producer or Pretender? Rapid Fire 1:15:07 Final Motivation: Why Not You? Support the show RealEstateAF is Powered by LoanBot.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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  Can Your Realtor Also Be Your Loan Officer? The RESPA Line

  Aug 7, 202655 min

  Send us Fan Mail Mortgage companies are recruiting Realtors to obtain MLO licenses and earn mortgage-side compensation. Is this smart vertical integration—or could it create a RESPA problem? In this episode of RealEstateAF, Mark Jones sits down with San Antonio independent mortgage broker John Hudson, who brings nearly 29 years of mortgage experience, to examine the growing Realtor-to-MLO trend. We are not arguing that Realtors should never become loan officers. Texas permits someone to serve in both roles under certain conditions. The real question is what the person is being paid to do. Is the Realtor performing real, necessary and documented mortgage-origination services—or is an MLO license being used as a wrapper around a paid referral? THE CENTRAL TAKEAWAY: A license may authorize someone to perform mortgage work. It does not automatically make a referral compensable. The actual mortgage work matters. IN THIS EPISODE: • Why Realtors and mortgage companies are exploring new revenue streams • How a tougher housing market helped create this trend • The difference between a referral and legitimate origination work • Why “limited extra effort” is a major warning sign • RESPA Section 8 and unearned-fee concerns • Consumer steering, divided loyalty and lender choice • Whether the borrower is actually receiving better pricing • Builder incentives and the payment-first sales strategy • Gen Z buyers and down-payment-assistance opportunities • Why fundamentals may generate more income than dual licensing • Questions every Realtor should ask before joining one of these programs QUESTIONS REALTORS SHOULD ASK: • What exact mortgage responsibilities will I perform? • Who will supervise and train me? • Who is responsible for compliance? • Who will actually structure and complete the loan? • What happens when a loan is transferred to another originator? • Can my client freely select another lender? • Will I be expected to recommend this company to every client? • Has my real estate broker approved the arrangement? • Does the lender or investor permit the dual role? • Is my compensation different on down-payment-assistance loans? • Would this arrangement still make sense without my personal leads? Mark’s position: “I’m not against Realtors becoming serious mortgage professionals. I’m against Realtors obtaining an MLO license for the sole purpose of receiving compensation for handing the transaction to someone else.” ABOUT THE GUEST: John Hudson Independent Mortgage Broker | San Antonio, Texas https://hmmtg.com/john-hudson/ POWERED BY: LoanBot — Smarter Mortgage Matching Loanbot.com CONNECT WITH MARK: https://mortgagetalkwithmark.com PRIMARY RESOURCES: CFPB — RESPA Section 8 FAQs: https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/real-estate-settlement-procedures-act/real-estate-settlement-procedures-act-faqs/ CFPB — Regulation X §1024.14: https://www.consumerfinance.gov/rules-policy/regulations/1024/14/ Texas Department of Savings and Mortgage Lending: https://www.sml.texas.gov/mortgage-origination/faqs/ Texas Real Estate Commission Rules: https://www.trec.texas.gov/agency-information/rules-and-laws/trec-rules Data, rates, programs and market conditions discussed were current as of the recording date and may have changed. DISCLAIMER: This program is provided for education and entertainment only. It is not legal, compliance, tax, financial, real estate or individualized mortgage advice. The opinions expressed by the host and guest are their own. Discussion of marketing materials or business models should not be interpreted as an allegation that any particular company or individual violated the law. Mortgage programs, rates, terms and eligibility requirements are subject to change and underwriting approval. Mark Jones | NMLS #513437 iThink Mortgage powered by Premier Mortgage Resources LLC | NMLS #1169 Equal Housing Lender #RealEstateAF #RESPA #MortgageIndustry 00:00 The Realtor-to-MLO controversy 04:55 The RESPA line: referral vs. real mortgage work 09:40 Why this trend is growing now 20:15 Mortgage rates and the housing lock-in effect 28:10 The “limited extra effort” recruiting pitch 35:10 Does the consumer actually get a better deal? 37:35 How builders are winning payment-sensitive buyers 45:55 Gen Z, FHA and down-payment assistance 53:30 Shortcuts have ceilings—fundamentals don’t 57:30 Questions Realtors must ask and our final verdict Support the show RealEstateAF is Powered by LoanBot.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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