The Intelligent Equity Podcast is for Consumers and Investors who are buying, refinancing or applying for remodeling loans. NMLS 581411
Intelligent Equity
Claim This Podcastby Ryan Kiefer
5.0(11 reviews)
26 episodes
Updated Daily
Accepts GuestsHas Sponsors
Podcast Overview
The Intelligent Equity Podcast is for Consumers and Investors who are buying, refinancing or applying for remodeling loans. NMLS 581411
Language
🇺🇲
Publishing Since
5/7/2019
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Recent Episodes
August 11, 2020
Episode 26: Changing the Way You View Credit and Homeownership with Tahmeeka O'Neal
In Episode 26 of Intelligent Equity, host Ryan Kiefer talks with Tahmeeka O'Neal of the O’Neal Group. Tahmeeka shares how she helps a wide variety of clients make educated choices about real estate and repair their credit. Then hear Tahmeeka’s take on the current market in Cincinnati. Episode Highlights: Tahmeeka O'Neal is the CEO and Founder of the O'Neal Group LLC. She has been in real estate for about two years. She is also a notary. Tahmeeka hopes to change the way her clients view credit and homeownership. They focus on credit repair as well as the real estate side of the house. Many people don't have the information they need to make educated choices. She takes a personal approach with her credit repair clients. She meets clients where they are and dives in from there. It has been very busy since Tahmeeka has taken her business full-time. Tahmeeka is excited to give back to the community. Tahmeeka shares what she is seeing in the current market. Houses are going very quickly and now is a great time for sellers. Now is a good time to find out the value of your home and whether listing would be a good option for you. It is very competitive for buyers right now. Be prepared to position yourself well in this competitive environment. She helps her clients stand out in multiple offer situations. It very much is a seller's market, especially in the lower price points. If you're thinking about moving up, you can get a good deal on that house because there's more inventory in the higher price range. Preparation is the key to success. Know the market. Pick the best professionals to work with. It's not a good time as a buyer or seller to try to go it alone. Reach out to a professional. 3 Key Points: As you become more informed, more real estate options will be open to you. Cincinnati is currently a seller’s market with very low inventory at lower price points. Given today’s competitive atmosphere, reach out to a professional when you’re looking to buy or sell. This is not the time to do it yourself. Resources Mentioned: Ryan Kiefer: LinkedIn, Facebook, Website Tahmeeka O’Neal website, Facebook, LinkedIn
March 20, 2020
Episode 25: Out-of-the-Box Financial Planning During COVID-19 with Ashok Ghildyal
In Episode 25 of Intelligent Equity, host Ryan Kiefer welcomes back Ashok Ghildyal, Loan Officer at PrimeLending to discuss the effects of the COVID-19 outbreak on the real estate and mortgage lending business. Episode Highlights: Ashok Ghildyal has been in the financial industry for over 40 years. The biggest difference that Ashok sees between past large market events and what is currently happening with the COVID-19 outbreak, is that nothing is fundamentally wrong with the economy. In fact, the economy coming into the COVID-19 outbreak was very strong. Ashok feels that once the situation surrounding the virus stabilizes, we should be able to quickly get back on the economic track. However, there is pain and uncertainty surrounding how long the outbreak is going to last. Refinancing and debt consolidation loans may be in some consumers best financial interest at this time. Ryan Kiefer feels that we are moving towards a recession, but believes it will be cyclical instead of structural. That difference means it won’t stretch out 4-5 years, but instead will be short and deep. Ryan feels that the economy will bounce back quickly, and the housing market may be insulated from the downturn. There are still a lot of buyers in the housing market, and with interest rates still at an all-time low, that’s going to encourage those buyers. In the $150-250k market, where there is limited inventory and homes are going fast, a lot of sellers are just listing their homes as-is, without any updates or changes. However, if there aren’t as many buyers entering the market, that may force sellers to go back to staging and updating their homes before going to market. Open houses may cool off, but technology can reduce housing market interruptions through virtual showings and e-signings. People often correlate “Wall Street” and “Main Street”. Ashok feels that Wall Street is not always indicative of the underlying strength of the economy. Younger buyers may not be as invested in the market yet, so they may not be feeling the “wealth effect” of the stock market, and their home purchasing plans may not be affected as long as their employment is insulated. Ashok gives an example of re-financing on a $200k home. Refinancing was able to save the clients around $160 a month, but even more of interest that most consumers don’t take into account, is refinancing removed $35-40k of paid interest. The overall benefit of refinancing isn’t limited to just cash flow and reduced monthly payment, but increased net worth and reduction in interest paid over the life of the loan. Ryan delves deeper into an example to show how refinancing can benefit homeowners. Ashok feels that refinancing may be the best investment decision people can make, at this point. This is a great time to do some out-of-the-box financial thinking. 3 Key Points: COVID-19 has caused fear and uncertainty related to financial markets, but this is a great time to do some out-of-the-box financial thinking. Younger buyers may not be as invested in the market yet, so they may not be feeling the “wealth effect” of the stock market, and their home purchasing plans may not be affected as long as their employment is insulated. The overall benefit of refinancing isn’t limited to just cash flow and reduced monthly payment, but increased net worth and reduction in interest paid over the life of the loan. Resources Mentioned: Ryan Kiefer: LinkedIn, Facebook, Website Ashok Ghildyal website, LinkedIn, Facebook
March 3, 2020
Episode 24: Forecasting 2020 Real Estate Inventory with Michael Wallet
In Episode 24 of Intelligent Equity, host Ryan Kiefer talks with Michael Wallet of Star One Realtors. Michael shares what he thinks will happen with the local housing market in 2020, and why inventory levels are at an all-time low. Learn how the demographics for first-time buyers have changed and why Michael believes there’s no recession in sight. Episode Highlights: Michael Wallet has been in real estate for fifteen years. He began at age nineteen, flipping homes with his father. 2020 will be similar to 2018 and 2019 for the real estate market. There will be less inventory. There’s already 15% less inventory this year vs. last year so far. Supply is low and demand is high. Sellers are selling at prices that are similar to 2005-2007. Inventory levels are at an all-time low. In the first-time buyer segment, there's very limited inventory. At the higher end there's a little more inventory. Many first-time buyers learned a lot from the recession and are not stretching beyond their means to buy homes they can't afford. It seems like an early spring market this year. First-time buyers are trying to get ahead of the curve a little bit. A recent article said that millennials buy homes later. The average age of first-time homebuyers is 33. There are four to five years coming up with demand. In the current market, Michael encourages prospective buyers to jump on properties if they are interested. These buyers do not have time to think about it because the market is as competitive as ever. People don't realize that sellers are incorporating closing costs into the purchase price. If you can, pay for the closing costs yourself so that you're not asking for more concessions. There are many different grant programs to help first-time homebuyers. People used to stay in their homes for seven years on average. Now it's up to thirteen years, which is part of why we have this inventory shortage. Michael is committed to serving the community. He is currently coaching middle school basketball. 3 Key Points: Inventory is at an all-time low and the market is very competitive. First-time homebuyers are older than they’ve been in the past. There are four to five years of ongoing demand coming up. Advise your prospective buyers to get started right away when they’re interested in a property. Resources Mentioned: Ryan Kiefer: LinkedIn, Facebook, Website Michael Wallet website, Facebook, LinkedIn
26 total episodes available
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