The Texas Real Estate & Finance Podcast with Mike Mills

Dive deep into the heart of Texas Real Estate with Mike Mills, your dedicated guide through the intricate world of home loans and beyond. The Texas Real Estate and Finance Podcast isn't just another industry show—it's an exploration of opportunities, a masterclass from industry titans, and a beacon for those aiming for the pinnacle of success.Whether you're a seasoned professional or a curious newcomer, Mike brings to the table not only his expertise as a home loan professional but also heart-pounding conversations with top experts and leaders from the realms of Real Estate, mortgage, finance, and other real estate-centric sectors. Our promise? No fluff, just smart, actionable advice distilled from the experiences of those who have carved niches and built legacies.Every episode is a journey – a step towards achieving your potential, realizing your goals, and making informed decisions in the world of real estate and finance.Are you ready to redefine success, shatter your ceilings, an

The Texas Real Estate & Finance Podcast with Mike Mills is a business podcast hosted by Mike Mills, with 193 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Mike Mills hosts The Texas Real Estate & Finance Podcast with Mike Mills, a business show with 193 episodes published.

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  Episode #193

  Set Up Your AI Like an Employee — The Realtor's Step-by-Step

  Aug 13, 202639 min

  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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  Episode #192

  How to Start Using AI in Real Estate: Small Moves Every Realtor Can Make

  Jul 22, 20261h 8m

  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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  Episode #191

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

  Jul 7, 202636 min

  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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  Episode #190

  The Fed Rate Cut Explained: Why Mortgage Rates Could Still Drop in 2026

  Dec 15, 202513 minS0

  <h2>Episode Description:</h2><p>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?</p><p>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. </p><p>You'll learn:</p>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 ra...

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  Episode #189

  Real College Funding Strategies: Scholarships, FAFSA, and 529 Tips

  Nov 18, 20251h 11mS0

  <p>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.</p><h2>Episode Overview</h2><p>College 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...

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