Grab a seat, pour your favorite drink, join two seasoned mortgage pros as they break down the real estate and lending world, without the jargon or boring suits. From market trends, mortgage myths, to wild stories from the field, nothing's off the table. Whether you're a realtor, homebuyer, or just mortgage curious, you'll get honest insights, laughs, and maybe a few "did they really say that" moments.
In this episode of Mortgage Cowboys, Mark and Todd catch up on life and business updates. Tune in to hear about Mark’s floating deck project, an absurd call to the vet, Home Depot equipment rental disputes, a big business move, and so much more. 00:00 Show Intro03:07 Deck Build Updates03:41 Home Depot Rental Rant08:14 Dog Story13:51 Career Moves Update18:07 Gym Journey Reset20:18 Workout Benefits Mindset24:44 Smart Rest Week Strategy26:03 Rates Reality Check28:11 Digital HELOC Gamechanger32:55 Condo Warrantability Win35:19 Future Of Digital Lending37:25 Wrap Up
14 Oct 2026
How a Former Commodities Trader Started a Beard Care Company
On this Episode of Mortgage Cowboys, Mark and Todd interview Justin Thomas, the founder of Better Man Beard, a Boise-based Beard Care Company. The guys learn some beard care tips, chat about Justin’s career arc, discuss operating a small business in Boise, and have a great time getting to know Justin.
00:00 Show Intro and Guest
00:27 Better Man Beard Origin
02:48 From Hobby to Markets
04:13 Wall Street Trading Days
08:47 Oil Markets and 9/11
12:54 Beard Care Basics
14:29 Scents and Balm Demo
23:11 Combs and Exfoliation
24:40 Balm vs Oil Routine
26:25 Trimming Tips No Shave
30:55 Finding A Local Barber
33:57 Beard Length And Trim Tips
38:35 New Scents And Production Setup
40:31 Retail Expansion And Scheels Deal
44:36 Wild Event Booth Stories
48:44 Where To Buy And Best Sellers
51:14 Beard Season And Growth Advice
57:08 Idaho Growth And AI Debate
01:07:20 Robots Jobs And The Future
01:12:54 Boise Restaurant Picks
01:14:02 Travel Life and Rescue Dogs
01:15:36 Idaho Outdoors and Elk Tag
01:16:34 Learning AI Through Podcasts
01:19:59 Better Man Beard Pitch
01:21:57 Beard Routine and Castor Oil
01:24:50 Better You Botanicals Origins
01:29:44 How the Products Are Made
01:32:35 Shelf Life and Inventory
01:35:38 Using AI to Scale Business
01:39:05 Logo Story and Merch
01:41:57 Scent Names and Wife Approved
7 Oct 2026
How to Finance Your Home in 2026
On this Episode of Mortgage Cowboys, Mark and Todd begin the conversation catching up on 2026 market volatility. Next, the boys explain how inflation, treasuries, and mortgage rates often move inversely and why consumer sentiment and uncertainty affect real estate activity. Finally, they highlight some misconceptions about modern home financing.
00:00 Market Chaos Check In
01:11 Rate Bet Gone Wrong
03:10 Inflation And Mortgage Rates
04:42 Buyer Confidence And Uncertainty
07:27 Rate Hype And Agent Spin
08:54 Stop Waiting For Perfect
09:40 Rates Vs Home Prices Reality
12:22 Refinance Later Buy Now
12:49 20 Percent Down Myth
14:45 PMI Credit Score Strategy
17:08 Choosing The Right Loan
20:36 Look Beyond The Rate
22:23 Why Rates Rise Faster
23:39 Final Thoughts And Contact
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